Data

The root for this script is finreg. Most of the data are in finreg/data (some in a subfolder merged_resources). Others are up one level in FINREGRULEMAKE2/Data. This can and should be streamlined significantly.

Sophistication

File: Data/Dictionary_Terms.RData contains six objects (3 sets of measures for both comments and attachments)

1. Dictionary counts of technical terms used in comments and attachments

We use the Oxford Dictionary of Finance and Banking and the Merriam Webster law dictionary. While Black’s is a more common law dictionary, a complete version is not available online.

Objects: technical_terms_comments and technical_terms_attachment

Variables:

  • doc_id - the comment_url or attachment_url in the comments and attachments files in master.sqlite
  • uk_law - UK law terms - this is in the file as I was curious how many of the terms would be in a UK law dictionary.
  • banking - US banking terms in Merriam Webster’s banking dictionary
  • us_law - US law terms in Merriam Webster’s US law dictionary. We didn’t use Black’s law dictionary because it’s incomplete, as shown at the beginning of the dictionary_and_bluebook.R file
  • overlap - terms in both banking and us_law
  • dictionary_terms - banking + us_law - overlap
  • Comment - 1 if from the comments file in Master, 0 if from attachments

2. Tables and Figures

Counts of Tables and Figures. Looks at the maximum number of tables, with large jumps excluded. For example, a document with tables 1, 2, 3, and 99 would treat 99 as an error and say there were three tables. This mostly comes from bad OCRing or documents that have footnotes in between the word “table” and the table number.

Objects: Tables_and_Figures_attachments and Tables_and_Figures_comments

Variables:

  • comment_url - the comment_url or attachment_url in the comments and attachments files in master.sqlite
  • Figures - counts of figures
  • Tables- counts of tables
  • Comment - 1 if from comments, 0 if from attachments
  • Visualizations - sum of figures + tables

Assets

load(here::here("data", "commenter_assets.Rdata"))

d <- commenter_assets

#FIXME MOVE TO TOP 
d$comment_url %<>% str_replace("document\\?D=", "comment/")


d %>% arrange(assets) %>% 
  dplyr::select(org_name, assets, revenue, comment_url) %>% kablebox()
org_name assets revenue comment_url
sc independent living council -3896 46840 https://www.regulations.gov/comment/CFPB-2016-0025-208045
super science -3607 72660 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=34131
christ apostolic church victory center -2525 1375 https://www.regulations.gov/comment/CFPB-2016-0025-21204
odessa elderly housing -541 0 https://www.sec.gov/comments/s7-45-10/s74510-700.pdf
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2016-0020-3104
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2011-0008-0327
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2013-0010-0012
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2013-0013-0080
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2011-0008-0023
omni life community health partners -38 4200 https://www.federalreserve.gov/SECRS/2011/January/20110121/R-1404/R-1404_011911_61789_560982947127_1.pdf
omni life community health partners -38 4200 https://www.federalreserve.gov/SECRS/2011/July/20110707/R-1417/R-1417_070611_81724_516054735780_1.pdf
omni life community health partners -38 4200 https://www.federalreserve.gov/SECRS/2010/December/20101228/R-1394/R-1394_121710_57462_465475515251_1.pdf
great plains region homeownership opportunities women 0 0 https://www.regulations.gov/comment/CFPB-2016-0025-135256
south baltimore pigeon fanciers social club 0 15799 https://www.regulations.gov/comment/CFPB-2014-0033-0041
joint trade committee painting decorating industry 0 0 https://www.regulations.gov/comment/CFPB-2012-0028-0495
vested interest community services 0 49409 https://www.regulations.gov/comment/CFPB-2012-0028-2154
inland empire legal association women 0 0 https://www.sec.gov/comments/s7-27-10/s72710-49.htm
capital city organizational development network 0 10251 https://www.sec.gov/comments/s7-07-13/s70713-381.pdf
credit union department state texas 0 0 https://www.federalreserve.gov/SECRS/2011/February/20110223/R-1404/R-1404_022211_67247_584261267257_1.pdf
amish country central illinois cvb 0 38371 https://www.federalreserve.gov/SECRS/2011/March/20110322/R-1404/R-1404_032111_69219_590328492738_1.pdf
inland empire legal association women 0 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26451
colorado assoc animal control officers 0 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33843
consumers research 1 0 https://www.regulations.gov/comment/CFPB-2019-0022-9580
parkers grove baptist church 1 36933 https://www.regulations.gov/comment/CFPB-2016-0025-144896
resurrection baptist church community development 1 1 https://www.regulations.gov/comment/CFPB-2016-0025-144893
american legion auxiliary alton indiana unit no 1388 8th district 1 3773 https://www.regulations.gov/comment/CFPB-2016-0025-200391
cornerstone home gardens 1 3350 https://www.regulations.gov/comment/CFPB-2013-0002-0315
ppep first american resources services 1 1 https://www.regulations.gov/comment/CFPB-2013-0002-0386
aba securities association 1 440000 https://www.sec.gov/comments/s7-16-11/s71611-38.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-41-11/s74111-254.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-24-10/s72410-42.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-26-10/s72610-49.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-19-10/s71910-8.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-08-10/s70810-236.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-14-11/s71411-448.pdf
greater lowell workforce development board 1 1 https://www.sec.gov/comments/s7-14-11/s71411-49.pdf
bainbridge institute 1 0 https://www.sec.gov/comments/s7-06-13/s70613-98.htm
bainbridge institute 1 0 https://www.sec.gov/comments/s7-06-13/s70613-93.htm
jersey county economic development 1 62055 https://www.sec.gov/comments/s7-45-10/s74510-121.pdf
world american cultural exchanges 1 75000 https://www.federalreserve.gov/SECRS/2016/June/20160609/R-1534/R-1534_060316_130279_606438626959_1.pdf
aba securities association 1 440000 https://www.federalreserve.gov/SECRS/2012/May/20120518/R-1438/R-1438_043012_107260_517777684198_1.pdf
pinellas county housing economic development 1 0 https://www.federalreserve.gov/SECRS/2011/August/20110815/R-1411/R-1411_072711_84745_416368618490_1.pdf
louisiana outside counsel health ethics foundation 1 500000 https://www.federalreserve.gov/SECRS/2011/May/20110526/R-1404/R-1404_042511_69539_582753301043_1.pdf
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=547
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=633
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58875
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56664
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48015
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=505
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49964
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48158
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47885
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50536
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50533
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27879
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27793
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44793
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49800
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50537
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27796
jacob l ella c loose foundation 1 480000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=34193
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50535
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50534
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44585
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27551
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27550
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58092
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50538
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49922
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35499
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27795
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60023
tag tacoma art 1 450 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=6121
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33589
international brotherhood electrical workers 1 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33461
quit smoking cigarettes organization 1 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=2091
g e m mentoring services 54 1469 https://www.regulations.gov/comment/CFPB-2012-0037-0474
idaho youth drug prevention education program 66 54574 https://www.sec.gov/comments/s7-45-10/s74510-574.pdf
american association responsible auto lenders 68 433559 https://www.regulations.gov/comment/CFPB-2016-0025-142821
american association responsible auto lenders 68 433559 https://www.regulations.gov/comment/CFPB-2014-0024-0004
american association responsible auto lenders 68 433559 https://www.regulations.gov/comment/CFPB-2011-0002-0482
every dollar feeds kids 75 45591 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50370
every dollar feeds kids 75 45591 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50371
citizens responsible annexation 77 500 https://www.regulations.gov/comment/CFPB-2016-0025-137807
citizens responsible annexation 77 500 https://www.regulations.gov/comment/CFPB-2016-0025-141791
maryland mutual ufo network 100 100 https://www.regulations.gov/comment/CFPB-2012-0037-0075
maryland mutual ufo network 100 100 https://www.regulations.gov/comment/CFPB-2013-0002-0833
pan africa children advocacy watch 160 4720 https://www.sec.gov/comments/s7-40-10/s74010-534.pdf
park place 280 250 https://www.regulations.gov/comment/CFPB-2012-0037-0545
dade county school administrators association 343 233278 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35160
one cent solution 350 196859 https://www.regulations.gov/comment/CFPB-2013-0002-0107
fed up cancer 539 25031 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32831
housing education economic development 799 106660 https://www.regulations.gov/comment/CFPB-2014-0019-0317
privacy activism 808 7903 https://www.sec.gov/comments/s7-08-10/s70810-91.pdf
national small business council 938 10074 https://www.regulations.gov/comment/CFPB-2016-0025-170476
national small business council 938 10074 https://www.sec.gov/comments/s7-06-13/s70613-409.pdf
sd citizens liberty 1209 7371 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32116
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2016-0038-1603
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2015-0029-0778
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2012-0028-0429
d %>% arrange(marketcap2) %>% 
  dplyr::select(org_name, marketcap, comment_url) %>% kablebox()
org_name marketcap comment_url
pulse network 72,054 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67837_571547531696_1.pdf
capital financial 124,100 https://www.regulations.gov/comment/CFPB-2012-0037-0709
capital financial 124,100 https://www.regulations.gov/comment/CFPB-2013-0002-0819
sino green land 2.21M https://www.regulations.gov/comment/CFPB-2011-0008-1460
international monetary systems ltd wi 3.218M https://www.sec.gov/comments/s7-42-10/s74210-72.pdf
princeton capital 21.687M https://www.regulations.gov/comment/CFPB-2012-0028-0098
leading edge materials 26.453M https://www.federalreserve.gov/SECRS/2010/November/20101129/R-1394/R-1394_112410_55015_317409371219_1.pdf
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0396
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0588
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0681
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0610
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0688
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0661
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0625
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0642
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0693
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0649
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0581
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0647
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0616
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0617
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0028-2039
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2013-0018-0230
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0463
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0447
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0719
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0519
impac mortgage 38.186M https://www.regulations.gov/comment/CFPB-2012-0028-1471
impac mortgage 38.186M https://www.regulations.gov/comment/CFPB-2013-0002-0095
anchor funding services 49.177M https://www.regulations.gov/comment/CFPB-2013-0002-0227
uwharrie capital 62.33M https://www.federalreserve.gov/SECRS/2011/February/20110225/R-1404/R-1404_021511_67515_559002055892_1.pdf
kish bancorp 94.847M https://www.federalreserve.gov/SECRS/2012/October/20121025/R-1442/R-1442_100212_108528_336832267431_1.pdf
guaranty federal bancshares 107.654M https://www.regulations.gov/comment/CFPB-2012-0037-0410
guaranty federal bancshares 107.654M https://www.regulations.gov/comment/CFPB-2012-0037-0330
guaranty federal bancshares 107.654M https://www.regulations.gov/comment/CFPB-2012-0037-0347
pine cliff energy 109.071M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31259
evolution petroleum 138.721M https://www.sec.gov/comments/s7-33-10/s73310-154.pdf
chesapeake financial shares 140.26M https://www.federalreserve.gov/SECRS/2011/February/20110211/R-1404/R-1404_020911_65081_472498544948_1.pdf
nacco industries 192.013M https://www.sec.gov/comments/s7-07-15/s70715-13.pdf
nacco industries 192.013M https://www.sec.gov/comments/s7-07-13/s70713-519.pdf
c f financial 194.245M https://www.regulations.gov/comment/CFPB-2013-0002-0401
capital product partners 214.31M https://www.sec.gov/comments/s7-06-13/s70613-283.htm
platinum group metals 227.963M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=46726
ocwen financial 268.503M https://www.sec.gov/comments/s7-14-11/s71411-473.pdf
ocwen financial 268.503M https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111546_566103309140_1.pdf
new age beverages 286.615M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=34207
new age beverages 286.615M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33938
new century bancorp 296.003M https://www.federalreserve.gov/SECRS/2012/December/20121227/R-1442/R-1442_102312_109651_379237477042_1.pdf
mid penn bancorp 307.95M https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1442/R-1442_102212_110348_381231834695_1.pdf
howard bancorp 377.341M https://www.federalreserve.gov/SECRS/2012/November/20121109/R-1442/R-1442_101812_109564_469922327785_1.pdf
first trustfiduciary asset management covered call fund 424.634M https://www.sec.gov/comments/s7-08-11/s70811-62.pdf
star gas partners 428.931M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31233
hometrust bancshares 462.328M https://www.federalreserve.gov/SECRS/2012/December/20121207/R-1442/R-1442_102212_110344_381230897153_1.pdf
hometrust bancshares 462.328M https://www.federalreserve.gov/SECRS/2013/April/20130425/R-1442/R-1442_102212_110162_353357949759_1.pdf
american vanguard 491.098M https://www.sec.gov/comments/s7-12-15/s71215-64.pdf
amark precious metals 552.356M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=29634
orchid island capital 620.222M https://www.regulations.gov/comment/CFPB-2012-0028-1252
federal home loan mortgage 702.065M https://www.federalreserve.gov/SECRS/2011/November/20111101/R-1417/R-1417_072211_84155_591648516501_1.pdf
camden national 706.893M https://www.federalreserve.gov/SECRS/2013/April/20130425/R-1442/R-1442_101912_109904_321344871020_1.pdf
spartan stores 711.031M https://www.federalreserve.gov/SECRS/2011/February/20110211/R-1404/R-1404_020911_64674_543494591143_1.pdf
cross country healthcare 711.511M https://www.regulations.gov/comment/CFPB-2013-0002-0256
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2014-0008-0025
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2012-0050-0040
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2012-0050-0099
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2012-0021-0025
moneygram international 880.745M https://www.federalreserve.gov/SECRS/2011/August/20110810/R-1419/R-1419_072211_84191_470498030225_1.pdf
drc resources corp fi 891.717M https://www.sec.gov/comments/s7-40-10/s74010-486.pdf
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27658
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27657
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60148
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27092
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26749
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48042
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33821
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33776
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33729
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33720
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33690
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33496
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33489
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33356
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33283
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33217
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33183
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33152
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33129
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33117
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33109
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33037
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33041
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33018
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33006
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32987
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32981
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32285
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31902
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31858
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31804
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31776
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31780
d %>% arrange(-MeanContribAmount) %>% 
  dplyr::select(org_name, MeanContribAmount, comment_url) %>% kablebox()
org_name MeanContribAmount comment_url
us chamber commerce 85367724 https://www.regulations.gov/comment/CFPB-2014-0024-0026
us chamber commerce 85367724 https://www.regulations.gov/comment/CFPB-2013-0033-0329
us chamber commerce 85367724 https://www.regulations.gov/comment/CFPB-2014-0010-0103
us chamber commerce 85367724 https://www.regulations.gov/comment/CFPB-2011-0005-0005
us chamber commerce 85367724 https://www.regulations.gov/comment/CFPB-2012-0010-0026
us chamber commerce 85367724 https://www.regulations.gov/comment/CFPB-2012-0005-0077
us chamber commerce 85367724 https://www.regulations.gov/comment/CFPB-2011-0002-0470
us chamber commerce 85367724 https://www.sec.gov/comments/s7-08-13/s70813-11.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-676.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-674.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-680.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-642.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-614.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-611.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-03-13/s70313-380.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-597.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-05-11/s70511-22.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-03-13/s70313-344.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-03-13/s70313-234.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-08-12/s70812-116.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-03-13/s70313-43.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-03-13/s70313-39.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-73.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-33-10/s73310-145.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-29.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-21.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-33-10/s73310-189.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-14-11/s71411-565.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-31-10/s73110-47.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-11/s71211-752.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-07-13/s70713-969.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-11/s71211-742.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-13-11/s71311-17.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-13-11/s71311-11.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-15/s71215-29.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-07-15/s70715-26.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-11/s71211-698.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-07-13/s70713-567.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-14-11/s71411-372.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-40-10/s74010-558.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-14-11/s71411-281.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-40-10/s74010-421.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-06-13/s70613-337.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-40-10/s74010-276.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-42-10/s74210-60.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-40-10/s74010-87.pdf
us chamber commerce 85367724 https://www.ncua.gov/files/comment-letters/2016/cl-exec-201666USCOC.pdf
us chamber commerce 85367724 https://www.federalreserve.gov/SECRS/2013/May/20130521/R-1438/R-1438_043013_111114_389717962083_1.pdf
us chamber commerce 85367724 https://www.federalreserve.gov/SECRS/2017/February/20170208/R-1550/R-1550_011817_131688_286658311250_1.pdf
us chamber commerce 85367724 https://www.federalreserve.gov/SECRS/2013/January/20130130/R-1432/R-1432_121012_110915_523709339984_1.pdf
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59419
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59418
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59494
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59347
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58969
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58943
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58335
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57496
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57402
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=46742
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56777
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35548
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30868
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30867
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=622
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27535
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59721
us chamber commerce 85367724 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33865
ge capital 20867208 https://www.sec.gov/comments/s7-41-11/s74111-602.pdf
ge capital 20867208 https://www.federalreserve.gov/SECRS/2013/February/20130225/R-1442/R-1442_102212_110218_388226150785_1.pdf
ge capital 20867208 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1111
amazon web services 9401972 https://www.federalreserve.gov/SECRS/2017/March/20170321/R-1550/R-1550_030717_131764_542476134029_1.pdf
national council chain restaurants 7729667 https://www.federalreserve.gov/SECRS/2011/March/20110323/R-1404/R-1404_022211_67493_559268623510_1.pdf
national council chain restaurants 7729667 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33728
airlines america 7584556 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59686
airlines america 7584556 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59714
raytheon missile systems 6880000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=29792
bp energy 6867708 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60058
bp energy 6867708 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61218
aflcio investment trust 6828483 https://www.sec.gov/comments/s7-12-11/s71211-736.pdf
aflcio housing investment trust 6828483 https://www.sec.gov/comments/s7-07-13/s70713-512.pdf
norwest venture partners 6705000 https://www.sec.gov/comments/s7-37-10/s73710-51.pdf
american council life insurers 5251300 https://www.regulations.gov/comment/CFPB-2016-0020-5908
american council life insurers 5251300 https://www.regulations.gov/comment/CFPB-2014-0019-0205
american council life insurers 5251300 https://www.sec.gov/comments/s7-36-10/s73610-80.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-12-10/s71210-107.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-16-11/s71611-49.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-39-10/s73910-73.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-36-10/s73610-31.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-03-13/s70313-212.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-08-12/s70812-4663104-176515.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-12-10/s71210-29.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-41-11/s74111-275.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-08-12/s70812-100.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-08-12/s70812-25.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-08-12/s70812-10.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-41-11/s74111-81.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-18-08/s71808-107.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-14-11/s71411-577.pdf
american council life insurers 5251300 https://www.sec.gov/comments/s7-02-12/s70212-14.pdf

Efficacy

File: Data/attachment_efficacy_w_docket.csv.

Variables:

  • efficacy = cumulative_sequence_length_over_10

Other efficacy measures that we are not using:

  • number_of_other_sequences_over_10
  • number_of_other_sequences_over_25
  • number_of_other_sequences_over_50
  • number_of_other_sequences_over_100
  • cumulative_sequence_length_over_10
  • cumulative_sequence_length_over_25
  • cumulative_sequence_length_over_50
  • cumulative_sequence_length_over_100
  • longest_sequence_length
  • longest_repeated_text
# efficacy
efficacy_raw <- read_csv( here::here("data", "new_attachment_efficacy_w_docket.csv")  %>% str_remove("finreg")  )

# inspect 
# efficacy_raw %>% distinct() %>% dplyr::select(attachment_url, fr_document_id_final) %>% add_count(attachment_url) %>% arrange(-n) %>%   kablebox()

# # look for non-numeric values other than headers
# efficacy_raw %>% 
#   filter(!is.na(cumulative_sequence_length_over_10),
#          comment_url != "comment_url") %>% 
#   mutate(efficacy = cumulative_sequence_length_over_10 %>% as.numeric() ) %>% 
#   filter(is.na(efficacy)) %>% 
#   dplyr::select(comment_url, cumulative_sequence_length_over_10)

# select needed vars. url is comment url (even for attachments)
efficacy <- efficacy_raw %>% 
  # make comment url 
  mutate(comment_url2 = attachment_url %>% 
           str_replace("https://downloads.regulations.gov/", 
                       "https://www.regulations.gov/comment/" ) %>% 
           str_remove("/attachment_.*"),
         comment_url = coalesce(comment_url, comment_url2),
         efficacy = cumulative_sequence_length_over_10 %>% as.numeric()
         ) %>% 
  dplyr::select(comment_url,
         efficacy) %>% 
  distinct() 

# check for OCC comments (missing as of May 2022)
# efficacy %>% filter(str_detect(comment_url, "OCC"))

# check for CFPB comments (not missing, but failing to merge with d on URL?)
# efficacy %>% filter(str_detect(comment_url, "CFPB"))



efficacy %<>% drop_na(efficacy) 


# take max
efficacy %<>% 
  group_by(comment_url) %>% 
  summarise_all(base::max)

efficacy %>% arrange(-efficacy) %>% kablebox()
comment_url efficacy
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23750 62158
https://www.regulations.gov/comment/CFPB-2012-0029-0054 46512
https://www.sec.gov/comments/s7-33-10/s73310-110.pdf 10131
https://www.sec.gov/comments/s7-33-10/s73310-35.pdf 10131
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24275 7593
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24205 7411
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 7312
https://www.sec.gov/comments/s7-25-11/s72511-55.pdf 5809
https://www.sec.gov/comments/s7-18-11/s71811-32.pdf 5563
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25016 4965
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 4886
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23733 4710
https://www.sec.gov/comments/s7-35-10/s73510-12.pdf 4687
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 4482
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23871 4445
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24090 4445
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 4409
https://www.sec.gov/comments/s7-08-10/s70810-247.pdf 4204
https://www.regulations.gov/comment/CFPB-2016-0025-154512 3794
https://www.regulations.gov/comment/CFPB-2016-0025-185182 3794
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 3653
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25113 3402
https://www.regulations.gov/comment/CFPB-2014-0033-0119 3366
https://www.regulations.gov/comment/CFPB-2014-0033-0136 3202
https://www.sec.gov/comments/s7-45-10/s74510-587.pdf 3083
https://www.regulations.gov/comment/CFPB-2016-0025-109324 3000
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23870 2656
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24092 2656
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 2597
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 2587
https://www.federalreserve.gov/SECRS/2011/January/20110106/R-1397/R-1397_122710_58136_331176456422_1.pdf 2538
https://www.sec.gov/comments/s7-07-13/s70713-957.pdf 2479
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21986 2443
https://www.sec.gov/comments/s7-45-10/s74510-655.pdf 2398
https://www.regulations.gov/comment/CFPB-2014-0033-0128 2394
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21658 2384
https://www.sec.gov/comments/s7-39-10/s73910-127.pdf 2382
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24076 2330
https://www.sec.gov/comments/s7-25-11/s72511-60.pdf 2286
https://www.sec.gov/comments/s7-25-11/s72511-48.pdf 2273
https://www.sec.gov/comments/s7-41-11/s74111-26.pdf 2269
https://www.sec.gov/comments/s7-08-10/s70810-219.pdf 2268
https://www.sec.gov/comments/s7-08-11/s70811-24.pdf 2261
https://www.sec.gov/comments/s7-25-11/s72511-5.pdf 2239
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27812 2175
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104978_464096290625_1.pdf 2112
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23880 1966
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24163 1966
https://www.sec.gov/comments/s7-41-11/s74111-373.pdf 1958
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021512_105492_542081694166_1.pdf 1947
https://www.regulations.gov/comment/CFPB-2013-0010-0071 1943
https://www.sec.gov/comments/s7-08-10/s70810-223.pdf 1938
https://www.sec.gov/comments/s7-41-11/s74111-318.pdf 1930
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21544 1920
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104961_544170226356_1.pdf 1919
https://www.regulations.gov/comment/CFPB-2016-0020-4931 1919
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24144 1903
https://www.regulations.gov/comment/CFPB-2016-0020-5831 1899
https://www.sec.gov/comments/s7-45-10/s74510-355.pdf 1897
https://www.sec.gov/comments/s7-41-11/s74111-331.pdf 1891
https://www.regulations.gov/comment/CFPB-2016-0025-142091 1870
https://www.sec.gov/comments/s7-08-10/s70810-237.pdf 1841
https://www.regulations.gov/comment/CFPB-2014-0019-0258 1824
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21983 1804
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021312_104970_452073403540_1.pdf 1802
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27820 1768
https://www.regulations.gov/comment/CFPB-2016-0025-142779 1761
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23971 1745
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24124 1745
https://www.regulations.gov/comment/CFPB-2014-0033-0132 1720
https://www.federalreserve.gov/SECRS/2017/January/20170126/R-1538/R-1538_081516_130442_365208348627_1.pdf 1718
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21913 1709
https://www.regulations.gov/comment/CFPB-2016-0025-142821 1697
https://www.sec.gov/comments/s7-41-11/s74111-352.pdf 1681
https://www.federalreserve.gov/SECRS/2011/March/20110331/R-1404/R-1404_022211_67805_571248463454_1.pdf 1641
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130420_423053866808_1.pdf 1618
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25009 1614
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21920 1535
https://www.sec.gov/comments/s7-03-15/s70315-7.pdf 1507
https://www.regulations.gov/comment/CFPB-2013-0018-0274 1498
https://www.sec.gov/comments/s7-25-11/s72511-15.pdf 1478
https://www.sec.gov/comments/s7-41-11/s74111-595.pdf 1475
https://www.regulations.gov/comment/CFPB-2012-0034-0146 1448
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24215 1441
https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf 1431
https://www.sec.gov/comments/s7-41-11/s74111-296.pdf 1423
https://www.regulations.gov/comment/CFPB-2016-0025-9512 1416
https://www.sec.gov/comments/s7-42-10/s74210-29.pdf 1410
https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf 1407
https://www.sec.gov/comments/s7-42-10/s74210-11.pdf 1406
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22336 1395
https://www.regulations.gov/comment/CFPB-2012-0034-0144 1393
https://www.regulations.gov/comment/CFPB-2016-0020-4294 1385
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21719 1378
https://www.regulations.gov/comment/CFPB-2016-0025-186590 1334
https://www.federalreserve.gov/SECRS/2012/December/20121213/R-1442/R-1442_102312_109652_373891000684_1.pdf 1326
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24184 1312
https://www.sec.gov/comments/s7-39-10/s73910-63.pdf 1308
https://www.sec.gov/comments/s7-34-10/s73410-192.pdf 1301
https://www.sec.gov/comments/s7-42-10/s74210-10.pdf 1293
# d$comment_url %in% efficacy$comment_url %>% sum

# efficacy$comment_url %in% d$comment_url %>% sum

#efficacy %>% filter(str_detect(comment_url, "CFPB")) %>%  kablebox()

d  %<>% left_join(efficacy) 

d %>% group_by(Agency) %>% count(is.na(efficacy))
## # A tibble: 9 × 3
## # Groups:   Agency [5]
##   Agency `is.na(efficacy)`     n
##   <chr>  <lgl>             <int>
## 1 CFPB   FALSE              2893
## 2 CFPB   TRUE               8920
## 3 CFTC   TRUE               3087
## 4 FRS    FALSE               902
## 5 FRS    TRUE               2481
## 6 NCUA   FALSE                 9
## 7 NCUA   TRUE                 69
## 8 SEC    FALSE              1213
## 9 SEC    TRUE               1778
# check number of NAs 
bluebook_comments %>%
  summarise_all(is.na) %>%
  summarise_all(sum)

# multiple per url? 
bluebook_comments %>%  count(comment_url, sort = T)

bluebook_attachments %>%  count(comment_url, sort = T)

# example
bluebook_attachments %>% filter(comment_url == "https://www.regulations.gov/comment/OCC-2011-0008-0126") %>% kablebox()

bluebook_comments %>% filter(comment_url == "https://www.regulations.gov/comment/OCC-2011-0008-0126") %>% kablebox()

technical_terms_comments %>% count(comment_url, sort = T)

technical_terms_attachments %>% count(comment_url, sort = T)

Join sophistication and asset data

# Join 
d %<>% 
  left_join(bluebook %>% dplyr::select(comment_url, Total_Legal_Citations)) %>% 
  left_join(technical_terms %>% dplyr::select(comment_url, dictionary_terms)) 

d %>% 
  dplyr::select(comment_url, org_name, Total_Legal_Citations, dictionary_terms, assets, marketcap, MeanContribAmount) %>% 
  filter(!is.na(dictionary_terms)) %>% 
  kablebox()
comment_url org_name Total_Legal_Citations dictionary_terms assets marketcap MeanContribAmount
https://www.regulations.gov/comment/CFPB-2016-0025-211929 united states senate 0 0 607993699 NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1645 keller williams realty 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1637 keller williams realty 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1643 associates realty 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1635 ebby halliday realtors 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1641 town country bank missouri 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0037 california credit union league 0 0 17811333 NA 109357.8
https://www.regulations.gov/comment/CFPB-2016-0025-211685 national call center 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211675 national call center 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211674 national call center 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211821 texas hereford association 0 0 88213 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211828 civil justice 0 0 700211 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211822 bank forest 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211877 acf 2012 host committee 0 0 25558 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211870 civil justice 0 0 700211 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211869 colorado state university 0 0 NA NA 289000.0
https://www.regulations.gov/comment/CFPB-2016-0025-211871 axcess financial services 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211880 florida house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211876 bank forest 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211873 housing initiative partnership 0 0 1320283 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211879 covering kids families indiana 0 0 200003 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211911 germania credit union 0 0 11242319 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0009 peoples financial realty mortgage securities 20061 0 40 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0010 peoples financial realty mortgage securities 20061 0 22 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0008 peoples financial realty mortgage securities 20061 0 66 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0006 peoples financial realty mortgage securities 20061 0 5 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0013 peoples financial realty mortgage securities 20061 0 39 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0012 peoples financial realty mortgage securities 20061 0 25 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0014 peoples financial realty mortgage securities 20061 0 4 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211922 center public justice 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0016 american escrow association 0 0 203188 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0017 peoples financial realty mortgage securities 20061 0 9 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0021 american pacific bank 0 65 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0023 iowa bankers association 0 0 9939509 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0022 real estate services providers council 0 1 653451 NA 43775.0
https://www.regulations.gov/comment/CFPB-2017-0018-0024 union planters home equity 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0026 national association home builders united states 0 10 105827166 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0047 alaska usa federal credit union 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0041 american escrow association 0 2 203188 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0034 american land title association 0 5 10519520 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0038 texas mortgage bankers association 0 2 1493337 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0045 ohio credit union league 0 0 425742 NA 109357.8
https://www.regulations.gov/comment/CFPB-2017-0018-0032 vanderbilt mortgage finance 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0031 independent community bankers america 0 1 100476445 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0049 national consumer law center 0 0 17440205 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0035 american bankers association 0 10 129958383 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0040 national consumer law center 0 8 17440205 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0039 american bankers association 0 1 129958383 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0046 national association home builders united states 0 0 105827166 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0037 national association realtors 0 1 258251232 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0050 national consumer law center 0 0 17440205 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211928 adventist community services north america 0 0 2522436 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208913 long island council churches 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0020-6452 california state senate 0 103 NA NA 105000.0
https://www.regulations.gov/comment/CFPB-2016-0020-6450 bethpage federal credit union 0 197 NA NA 136666.7
https://www.regulations.gov/comment/CFPB-2016-0020-6468 united fidelity finance 0 93 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0005 reliance bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0007 iowa bankers association 0 0 9939509 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0010 wisconsin credit union league 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0011 independent bankers association texas 0 0 5567150 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0020 oahu league hawaii youth soccer 0 71 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0015 iowa credit union league 0 2 19309815 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0017 village bank 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0016 american bankers association 0 3 129958383 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0031 texas mortgage bankers association 0 0 1493337 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0022 southern heritage bank 0 3 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0025 league southeastern credit unions 0 1 6631576 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0033 citizens national bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0030 consumer mortgage coalition 0 12 325391 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0034 first harrison bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0036 nevada credit union league 0 0 318177 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0026 illinois credit union league 0 0 5617070 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0035 cooperative credit union association 0 0 4475694 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0027 community bankers association illinois 0 18 4797997 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208914 americans financial reform 0 0 NA NA 20000.0
https://www.regulations.gov/comment/CFPB-2017-0018-0002 national residential nominee services 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0004 university bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208722 check cash 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208723 california reinvestment coalition 0 0 1163000 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208724 leadership conference on civil human rights 0 0 1324663 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208725 mississippi house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208728 florida state senate 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208729 mississippi state senate 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208734 mississippi house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208738 wisconsin state assembly 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208744 mississippi state senate 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208736 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208733 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208740 alcoholics anonymous cleveland dist office 0 0 271474 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208743 michigan house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208735 illinois general assembly 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208732 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208739 georgia house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208742 veterans foreign wars department florida 0 0 1291158 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208731 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208745 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208746 acce institute 0 0 806378 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208809 alden state bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208788 jews united justice 0 0 272773 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208830 matagorda county credit union 0 0 23670988 NA NA
# write out missing comment urls
d %>% 
  filter(is.na(dictionary_terms)) %>% dplyr::select(comment_url) %>% write_csv(file = "dictionary_terms_missing.csv")

# FIXME Missing as of May 2022
# bluebook %>% filter(str_detect(comment_url, "CFPB-2019-0021-0406"))
# technical_terms %>% filter(str_detect(comment_url, "CFPB-2019-0021-0406"))


#FIXME DROP BAD EFFICACY COMMENTS
efficacy%<>% filter(!comment_url %in% c(
  "https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23750",
  "https://www.regulations.gov/comment/CFPB-2012-0029-0054"
))


# look for outliers 
efficacy %>% arrange(-efficacy) %>% kablebox(
)
comment_url efficacy
https://www.sec.gov/comments/s7-33-10/s73310-110.pdf 10131
https://www.sec.gov/comments/s7-33-10/s73310-35.pdf 10131
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24275 7593
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24205 7411
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 7312
https://www.sec.gov/comments/s7-25-11/s72511-55.pdf 5809
https://www.sec.gov/comments/s7-18-11/s71811-32.pdf 5563
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25016 4965
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 4886
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23733 4710
https://www.sec.gov/comments/s7-35-10/s73510-12.pdf 4687
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 4482
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23871 4445
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24090 4445
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 4409
https://www.sec.gov/comments/s7-08-10/s70810-247.pdf 4204
https://www.regulations.gov/comment/CFPB-2016-0025-154512 3794
https://www.regulations.gov/comment/CFPB-2016-0025-185182 3794
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 3653
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25113 3402
https://www.regulations.gov/comment/CFPB-2014-0033-0119 3366
https://www.regulations.gov/comment/CFPB-2014-0033-0136 3202
https://www.sec.gov/comments/s7-45-10/s74510-587.pdf 3083
https://www.regulations.gov/comment/CFPB-2016-0025-109324 3000
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23870 2656
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24092 2656
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 2597
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 2587
https://www.federalreserve.gov/SECRS/2011/January/20110106/R-1397/R-1397_122710_58136_331176456422_1.pdf 2538
https://www.sec.gov/comments/s7-07-13/s70713-957.pdf 2479
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21986 2443
https://www.sec.gov/comments/s7-45-10/s74510-655.pdf 2398
https://www.regulations.gov/comment/CFPB-2014-0033-0128 2394
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21658 2384
https://www.sec.gov/comments/s7-39-10/s73910-127.pdf 2382
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24076 2330
https://www.sec.gov/comments/s7-25-11/s72511-60.pdf 2286
https://www.sec.gov/comments/s7-25-11/s72511-48.pdf 2273
https://www.sec.gov/comments/s7-41-11/s74111-26.pdf 2269
https://www.sec.gov/comments/s7-08-10/s70810-219.pdf 2268
https://www.sec.gov/comments/s7-08-11/s70811-24.pdf 2261
https://www.sec.gov/comments/s7-25-11/s72511-5.pdf 2239
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27812 2175
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104978_464096290625_1.pdf 2112
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23880 1966
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24163 1966
https://www.sec.gov/comments/s7-41-11/s74111-373.pdf 1958
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021512_105492_542081694166_1.pdf 1947
https://www.regulations.gov/comment/CFPB-2013-0010-0071 1943
https://www.sec.gov/comments/s7-08-10/s70810-223.pdf 1938
https://www.sec.gov/comments/s7-41-11/s74111-318.pdf 1930
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21544 1920
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104961_544170226356_1.pdf 1919
https://www.regulations.gov/comment/CFPB-2016-0020-4931 1919
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24144 1903
https://www.regulations.gov/comment/CFPB-2016-0020-5831 1899
https://www.sec.gov/comments/s7-45-10/s74510-355.pdf 1897
https://www.sec.gov/comments/s7-41-11/s74111-331.pdf 1891
https://www.regulations.gov/comment/CFPB-2016-0025-142091 1870
https://www.sec.gov/comments/s7-08-10/s70810-237.pdf 1841
https://www.regulations.gov/comment/CFPB-2014-0019-0258 1824
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21983 1804
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021312_104970_452073403540_1.pdf 1802
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27820 1768
https://www.regulations.gov/comment/CFPB-2016-0025-142779 1761
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23971 1745
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24124 1745
https://www.regulations.gov/comment/CFPB-2014-0033-0132 1720
https://www.federalreserve.gov/SECRS/2017/January/20170126/R-1538/R-1538_081516_130442_365208348627_1.pdf 1718
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21913 1709
https://www.regulations.gov/comment/CFPB-2016-0025-142821 1697
https://www.sec.gov/comments/s7-41-11/s74111-352.pdf 1681
https://www.federalreserve.gov/SECRS/2011/March/20110331/R-1404/R-1404_022211_67805_571248463454_1.pdf 1641
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130420_423053866808_1.pdf 1618
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25009 1614
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21920 1535
https://www.sec.gov/comments/s7-03-15/s70315-7.pdf 1507
https://www.regulations.gov/comment/CFPB-2013-0018-0274 1498
https://www.sec.gov/comments/s7-25-11/s72511-15.pdf 1478
https://www.sec.gov/comments/s7-41-11/s74111-595.pdf 1475
https://www.regulations.gov/comment/CFPB-2012-0034-0146 1448
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24215 1441
https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf 1431
https://www.sec.gov/comments/s7-41-11/s74111-296.pdf 1423
https://www.regulations.gov/comment/CFPB-2016-0025-9512 1416
https://www.sec.gov/comments/s7-42-10/s74210-29.pdf 1410
https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf 1407
https://www.sec.gov/comments/s7-42-10/s74210-11.pdf 1406
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22336 1395
https://www.regulations.gov/comment/CFPB-2012-0034-0144 1393
https://www.regulations.gov/comment/CFPB-2016-0020-4294 1385
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21719 1378
https://www.regulations.gov/comment/CFPB-2016-0025-186590 1334
https://www.federalreserve.gov/SECRS/2012/December/20121213/R-1442/R-1442_102312_109652_373891000684_1.pdf 1326
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24184 1312
https://www.sec.gov/comments/s7-39-10/s73910-63.pdf 1308
https://www.sec.gov/comments/s7-34-10/s73410-192.pdf 1301
https://www.sec.gov/comments/s7-42-10/s74210-10.pdf 1293
https://www.federalreserve.gov/SECRS/2017/January/20170124/R-1538/R-1538_081216_130439_377948682013_1.pdf 1290
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 1283
technical_terms %>% 
      dplyr::select(comment_url, dictionary_terms) %>% 
  arrange(-dictionary_terms) %>% kablebox()
comment_url dictionary_terms
https://www.regulations.gov/comment/OCC-2013-0008-0028 728831
https://www.federalreserve.gov/SECRS/2012/May/20120501/R-1438/R-1438_042712_107270_542775340448_1.pdf 68442
https://www.regulations.gov/comment/CFPB-2011-0002-0521 57626
https://www.regulations.gov/comment/CFPB-2016-0025-59925 49246
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61101 48203
https://www.regulations.gov/comment/CFPB-2016-0025-154512 47531
https://www.regulations.gov/comment/CFPB-2016-0025-185182 47520
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57409 41919
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57259 40392
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 40392
https://www.regulations.gov/comment/OCC-2011-0014-0221 40379
https://www.regulations.gov/comment/OCC-2011-0014-0280 40379
https://www.regulations.gov/comment/CFPB-2016-0025-150391 38398
https://www.regulations.gov/comment/CFPB-2016-0025-151479 38398
https://www.regulations.gov/comment/CFPB-2016-0025-20900 35618
https://www.federalreserve.gov/SECRS/2013/August/20130819/R-1457/R-1457_061113_111310_530220428696_1.pdf 34935
https://www.sec.gov/comments/s7-41-11/s74111-638.pdf 34521
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59278 34328
https://www.regulations.gov/comment/CFPB-2016-0020-6232 34185
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61209 31857
https://www.regulations.gov/comment/CFPB-2016-0025-158312 30748
https://www.regulations.gov/comment/CFPB-2016-0025-199782 30644
https://www.federalreserve.gov/SECRS/2013/January/20130110/R-1442/R-1442_103112_110322_388227869612_1.pdf 28837
https://www.federalreserve.gov/SECRS/2011/June/20110621/R-1411/R-1411_061011_81227_523427996167_1.pdf 27176
https://www.regulations.gov/comment/OCC-2011-0002-0064 27175
https://www.sec.gov/comments/s7-14-11/s71411-57.pdf 27175
https://www.regulations.gov/comment/CFPB-2013-0033-0386 26080
https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111495_377905725574_1.pdf 26018
https://www.sec.gov/comments/s7-14-11/s71411-488.pdf 25942
https://www.regulations.gov/comment/OCC-2013-0010-0184 25934
https://www.sec.gov/comments/s7-08-12/s70812-4663154-176520.pdf 25665
https://www.regulations.gov/comment/CFPB-2016-0025-199791 25217
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 24811
https://www.regulations.gov/comment/CFPB-2016-0025-199405 24646
https://www.sec.gov/comments/s7-25-11/s72511-32.pdf 24622
https://www.sec.gov/comments/s7-09-14/s70914-7.pdf 24012
https://www.regulations.gov/comment/CFPB-2016-0025-199794 23831
https://www.regulations.gov/comment/CFPB-2016-0025-199427 23661
https://www.regulations.gov/comment/CFPB-2016-0025-199404 23200
https://www.regulations.gov/comment/CFPB-2012-0029-0054 22908
https://www.regulations.gov/comment/CFPB-2013-0033-0400 22891
https://www.federalreserve.gov/SECRS/2012/June/20120608/R-1438/R-1438_043012_107253_401117527948_1.pdf 21992
https://www.regulations.gov/comment/CFPB-2016-0025-199792 21847
https://www.federalreserve.gov/SECRS/2011/July/20110701/R-1405/R-1414_061011_81449_500089184441_1.pdf 21734
https://www.federalreserve.gov/SECRS/2011/July/20110701/R-1414/R-1414_061011_81449_500089184441_1.pdf 21734
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56630 21526
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57146 21526
https://www.regulations.gov/comment/OCC-2011-0014-0175 21526
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 21526
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 21507
https://www.sec.gov/comments/s7-08-10/s70810-60.pdf 21388
https://www.sec.gov/comments/s7-08-10/s70810-167.pdf 21016
https://www.regulations.gov/comment/OCC-2011-0029-0013 20785
https://www.federalreserve.gov/SECRS/2011/September/20110909/R-1411/R-1411_072211_84160_542286677571_1.pdf 20733
https://www.regulations.gov/comment/OCC-2011-0002-0158 20726
https://www.regulations.gov/comment/CFPB-2016-0025-199793 20719
https://www.sec.gov/comments/s7-14-11/s71411-133.pdf 20708
https://www.federalreserve.gov/SECRS/2012/June/20120607/R-1411/R-1411_050212_107284_511638451448_1.pdf 20691
https://www.regulations.gov/comment/CFPB-2013-0033-0393 20190
https://www.regulations.gov/comment/CFPB-2016-0025-20996 20053
https://www.regulations.gov/comment/OCC-2012-0008-0643 19553
https://www.regulations.gov/comment/OCC-2012-0009-0655 19553
https://www.regulations.gov/comment/OCC-2012-0010-0513 19553
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 19544
https://www.sec.gov/comments/s7-08-10/s70810-70.pdf 19159
https://www.regulations.gov/comment/CFPB-2016-0025-22583 19033
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56631 18712
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57144 18712
https://www.regulations.gov/comment/OCC-2011-0014-0174 18712
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 18712
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 18709
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61196 18593
https://www.regulations.gov/comment/CFPB-2016-0025-32778 18547
https://www.regulations.gov/comment/CFPB-2016-0025-143313 18202
https://www.regulations.gov/comment/CFPB-2016-0025-61664 18133
https://www.federalreserve.gov/SECRS/2011/November/20111116/R-1411/R-1411_072811_84779_449538049523_1.pdf 17599
https://www.regulations.gov/comment/OCC-2011-0002-0216 17515
https://www.sec.gov/comments/s7-14-11/s71411-180.pdf 17497
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50010 17441
https://www.federalreserve.gov/SECRS/2011/March/20110304/R-1404/R-1404_022211_67810_571316902268_1.pdf 16735
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 16730
https://www.regulations.gov/comment/CFPB-2016-0025-199375 16582
https://www.regulations.gov/comment/CFPB-2016-0025-143704 16516
https://www.regulations.gov/comment/CFPB-2014-0033-0164 16402
https://www.regulations.gov/comment/CFPB-2016-0025-156482 16394
https://www.regulations.gov/comment/CFPB-2016-0025-3913 16394
https://www.regulations.gov/comment/CFPB-2016-0025-199784 16377
https://www.federalreserve.gov/SECRS/2011/June/20110621/R-1411/R-1411_060911_81224_521506409071_1.pdf 16102
https://www.sec.gov/comments/s7-08-10/s70810-119.pdf 16000
https://www.regulations.gov/comment/CFPB-2016-0025-164077 15643
https://www.federalreserve.gov/SECRS/2016/August/20160812/R-1536/R-1536_071816_130347_536946206490_1.pdf 15579
https://www.regulations.gov/comment/CFPB-2016-0020-4256 15569
https://www.regulations.gov/comment/CFPB-2016-0025-59881 15557
https://www.sec.gov/comments/s7-08-10/s70810-150.pdf 15468
https://www.sec.gov/comments/s7-12-10/s71210-51.pdf 15358
https://www.regulations.gov/comment/OCC-2011-0002-0321 15322
https://www.sec.gov/comments/s7-14-11/s71411-308.pdf 15322
https://www.federalreserve.gov/SECRS/2011/September/20110915/R-1411/R-1411_080111_86572_551402536621_1.pdf 15291
https://www.regulations.gov/comment/CFPB-2016-0025-32314 15267
https://www.sec.gov/comments/s7-42-10/s74210-304.pdf 15084
#FIXME DROP BAD TECHICAL TERM MEASURE 
technical_terms %<>% filter(!comment_url %in% c(
  "https://www.regulations.gov/comment/OCC-2013-0008-0028"
))

#FIXME DROP BAD TECHICAL TERM MEASURE 
technical_terms %<>% filter(!comment_url %in% c(
  "https://www.regulations.gov/comment/OCC-2013-0008-0028"
))

bluebook %>% 
      dplyr::select(comment_url, Total_Legal_Citations) %>% 
  arrange(-Total_Legal_Citations) %>% kablebox()
comment_url Total_Legal_Citations
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61101 301
https://www.sec.gov/comments/s7-25-11/s72511-32.pdf 289
https://www.regulations.gov/comment/CFPB-2016-0025-156482 273
https://www.regulations.gov/comment/CFPB-2016-0025-3913 273
https://www.regulations.gov/comment/CFPB-2016-0025-32778 259
https://www.federalreserve.gov/SECRS/2012/June/20120608/R-1438/R-1438_043012_107253_401117527948_1.pdf 198
https://www.federalreserve.gov/SECRS/2011/July/20110701/R-1405/R-1414_061011_81449_500089184441_1.pdf 157
https://www.federalreserve.gov/SECRS/2011/July/20110701/R-1414/R-1414_061011_81449_500089184441_1.pdf 157
https://www.regulations.gov/comment/CFPB-2014-0033-0164 149
https://www.regulations.gov/comment/CFPB-2011-0003-0009 144
https://www.regulations.gov/comment/CFPB-2011-0005-0008 144
https://www.regulations.gov/comment/CFPB-2011-0006-0006 144
https://www.regulations.gov/comment/CFPB-2011-0007-0006 144
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61209 141
https://www.regulations.gov/comment/CFPB-2012-0029-0054 130
https://www.regulations.gov/comment/CFPB-2016-0025-109324 120
https://www.regulations.gov/comment/CFPB-2014-0033-0128 117
https://www.regulations.gov/comment/CFPB-2016-0025-32641 116
https://www.regulations.gov/comment/CFPB-2013-0033-0386 114
https://www.regulations.gov/comment/OCC-2012-0013-0006 107
https://www.regulations.gov/comment/CFPB-2016-0025-32681 106
https://www.federalreserve.gov/SECRS/2012/November/20121101/R-1443/R-1443_101512_108748_442534424344_1.pdf 102
https://www.regulations.gov/comment/CFPB-2016-0025-26629 99
https://www.regulations.gov/comment/CFPB-2016-0020-4931 96
https://www.regulations.gov/comment/CFPB-2016-0020-5831 96
https://www.regulations.gov/comment/CFPB-2016-0025-32414 96
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56630 95
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57146 95
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 95
https://www.regulations.gov/comment/OCC-2011-0014-0175 95
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 95
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60553 86
https://www.regulations.gov/comment/CFPB-2014-0033-0136 86
https://www.sec.gov/comments/s7-03-13/s70313-335.pdf 84
https://www.regulations.gov/comment/CFPB-2013-0033-0393 82
https://www.regulations.gov/comment/CFPB-2016-0025-32384 81
https://www.regulations.gov/comment/CFPB-2016-0025-154512 80
https://www.regulations.gov/comment/CFPB-2016-0025-185182 80
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59718 76
https://www.regulations.gov/comment/CFPB-2016-0025-32809 76
https://www.regulations.gov/comment/CFPB-2016-0025-142779 75
https://www.sec.gov/comments/s7-02-13/s70213-56.pdf 73
https://www.regulations.gov/comment/CFPB-2016-0025-32582 72
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 64
https://www.regulations.gov/comment/CFPB-2014-0033-0056 63
https://www.sec.gov/comments/s7-08-12/s70812-4663163-176543.pdf 63
https://www.sec.gov/comments/s7-02-13/s70213-42.pdf 62
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56631 61
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57144 61
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 61
https://www.regulations.gov/comment/OCC-2011-0014-0174 61
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 61
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57409 60
https://www.regulations.gov/comment/CFPB-2016-0025-145353 60
https://www.regulations.gov/comment/CFPB-2013-0033-0102 59
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=42183 58
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57259 57
https://www.regulations.gov/comment/CFPB-2012-0028-2732 57
https://www.regulations.gov/comment/CFPB-2012-0028-2782 57
https://www.regulations.gov/comment/OCC-2011-0014-0221 57
https://www.regulations.gov/comment/OCC-2011-0014-0280 57
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 57
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 56
https://www.regulations.gov/comment/OCC-2011-0008-0125 56
https://www.federalreserve.gov/SECRS/2011/April/20110401/R-1405/R-1405_033011_69273_589557907011_1.pdf 55
https://www.regulations.gov/comment/CFPB-2016-0025-142467 55
https://www.regulations.gov/comment/CFPB-2016-0025-32353 53
https://www.regulations.gov/comment/CFPB-2016-0025-32794 53
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf 52
https://www.federalreserve.gov/SECRS/2013/May/20130521/R-1438/R-1438_043013_111114_389717962083_1.pdf 52
https://www.regulations.gov/comment/CFPB-2016-0025-186590 52
https://www.sec.gov/comments/s7-08-12/s70812-39.pdf 52
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67218_584088138933_1.pdf 51
https://www.federalreserve.gov/SECRS/2012/May/20120501/R-1438/R-1438_042712_107270_542775340448_1.pdf 51
https://www.regulations.gov/comment/CFPB-2014-0033-0144 51
https://www.regulations.gov/comment/CFPB-2016-0025-144985 51
https://www.sec.gov/comments/s7-23-07/s72307-8.pdf 51
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27223 50
https://www.regulations.gov/comment/CFPB-2016-0025-142151 50
https://www.regulations.gov/comment/CFPB-2013-0002-0876 49
https://www.regulations.gov/comment/CFPB-2016-0025-32469 49
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57467 48
https://www.regulations.gov/comment/CFPB-2012-0033-0181 48
https://www.regulations.gov/comment/CFPB-2012-0034-0163 48
https://www.regulations.gov/comment/CFPB-2014-0033-0117 48
https://www.regulations.gov/comment/CFPB-2016-0025-32814 47
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67998_575632491344_1.pdf 46
https://www.regulations.gov/comment/OCC-2011-0008-0045 46
https://www.federalreserve.gov/SECRS/2011/September/20110913/R-1417/R-1417_072211_83618_591648672754_1.pdf 45
https://www.federalreserve.gov/SECRS/2012/September/20120912/R-1438/R-1438_043012_107236_478911121698_1.pdf 45
https://www.regulations.gov/comment/CFPB-2016-0020-3961 45
https://www.regulations.gov/comment/CFPB-2016-0020-4318 45
https://www.federalreserve.gov/SECRS/2016/August/20160811/R-1534/R-1534_060316_130304_375681878754_1.pdf 44
https://www.regulations.gov/comment/CFPB-2012-0028-2765 44
https://www.regulations.gov/comment/CFPB-2012-0033-0102 44
https://www.regulations.gov/comment/CFPB-2012-0034-0060 44
https://www.regulations.gov/comment/CFPB-2016-0025-144959 44
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57474 43
https://www.regulations.gov/comment/CFPB-2014-0019-0256 43
https://www.regulations.gov/comment/CFPB-2016-0020-3941 43
efficacyXsophistication <- bluebook %>% 
  dplyr::select(comment_url, Total_Legal_Citations) %>% drop_na(Total_Legal_Citations) %>% 
  left_join(
    technical_terms %>% 
      dplyr::select(comment_url, dictionary_terms)
  ) %>% 
  left_join(efficacy) %>% 
  mutate(efficacy = replace_na(efficacy, 0),
         org = ifelse(comment_url %in% d$comment_url, "Matched organization", "Individual or\nunmatched organization") )

Matched vs. unmatched comments

# matched-by-terms

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = dictionary_terms, fill = org) +
  geom_histogram() + 
  facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_y_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Technical Terms in Comment",
       fill = "") 

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = dictionary_terms, fill = org) +
  geom_density(alpha = .5, color = NA) + 
  #facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_x_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "",
       x = "Technical Terms in Comment",
       fill = "") 

#  matched-by-bluebook

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = Total_Legal_Citations, fill = org) +
  geom_histogram() + 
  facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_y_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Legal Citations in Comment",
       fill = "") 

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = Total_Legal_Citations, fill = org) +
  geom_density(alpha = .5, color = NA) + 
  #facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_x_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "",
       x = "Legal Citations in Comment",
       fill = "") 

# matched-by-efficacy

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = efficacy, fill = org) +
  geom_histogram() + 
  facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_y_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Lobbying Success\nn(Words From Comment\nAdded to Final Rule)",
       fill = "") 

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = efficacy, fill = org) +
  geom_density(alpha = .5, color = NA) + 
  #facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_x_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Lobbying Success\nn(Words From Comment\nAdded to Final Rule)",
       fill = "") 

Efficacy by Sophistication

# efficacyXsophistication

efficacyXsophistication %>% arrange(-efficacy) %>% kablebox()
comment_url Total_Legal_Citations dictionary_terms efficacy org
https://www.sec.gov/comments/s7-33-10/s73310-110.pdf 31 7705 10131 Matched organization
https://www.sec.gov/comments/s7-33-10/s73310-35.pdf 31 7705 10131 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 57 40392 7312 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-11/s72511-55.pdf 12 3954 5809 Individual or unmatched organization
https://www.sec.gov/comments/s7-18-11/s71811-32.pdf 1 10979 5563 Matched organization
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 64 16730 4886 Individual or unmatched organization
https://www.sec.gov/comments/s7-35-10/s73510-12.pdf 3 3144 4687 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 61 18709 4482 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 61 18712 4409 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-247.pdf 0 11330 4204 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-154512 80 47531 3794 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-185182 80 47520 3794 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 27 19544 3653 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0119 11 3168 3366 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0136 86 10933 3202 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-587.pdf 31 7299 3083 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-109324 120 7052 3000 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 95 21526 2597 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 95 21507 2587 Matched organization
https://www.federalreserve.gov/SECRS/2011/January/20110106/R-1397/R-1397_122710_58136_331176456422_1.pdf 20 3742 2538 Matched organization
https://www.sec.gov/comments/s7-07-13/s70713-957.pdf 5 6947 2479 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-655.pdf 5 5728 2398 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0128 117 10446 2394 Individual or unmatched organization
https://www.sec.gov/comments/s7-39-10/s73910-127.pdf 17 1752 2382 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-60.pdf 12 2743 2286 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-11/s72511-48.pdf 17 4089 2273 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-26.pdf 5 9149 2269 Individual or unmatched organization
https://www.sec.gov/comments/s7-08-10/s70810-219.pdf 1 6939 2268 Matched organization
https://www.sec.gov/comments/s7-08-11/s70811-24.pdf 12 4574 2261 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-5.pdf 17 3722 2239 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104978_464096290625_1.pdf 13 13982 2112 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-373.pdf 2 9318 1958 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021512_105492_542081694166_1.pdf 2 9241 1947 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0010-0071 17 4669 1943 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-223.pdf 6 6601 1938 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-318.pdf 8 6888 1930 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104961_544170226356_1.pdf 8 6866 1919 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-4931 96 14691 1919 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-5831 96 14194 1899 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-355.pdf 2 3846 1897 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-331.pdf 21 12268 1891 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142091 3 6979 1870 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-237.pdf 7 3358 1841 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0019-0258 6 3003 1824 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021312_104970_452073403540_1.pdf 21 12138 1802 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142779 75 11944 1761 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0132 8 5763 1720 Matched organization
https://www.federalreserve.gov/SECRS/2017/January/20170126/R-1538/R-1538_081516_130442_365208348627_1.pdf 32 2895 1718 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142821 18 5591 1697 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-352.pdf 8 10599 1681 Matched organization
https://www.federalreserve.gov/SECRS/2011/March/20110331/R-1404/R-1404_022211_67805_571248463454_1.pdf 0 3453 1641 Matched organization
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130420_423053866808_1.pdf 32 2962 1618 Matched organization
https://www.sec.gov/comments/s7-03-15/s70315-7.pdf 15 3948 1507 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0274 41 14287 1498 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-15.pdf 0 5456 1478 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-595.pdf 24 2659 1475 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0146 23 11318 1448 Matched organization
https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf 24 2662 1431 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-296.pdf 11 7138 1423 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-9512 0 5754 1416 Individual or unmatched organization
https://www.sec.gov/comments/s7-42-10/s74210-29.pdf 7 8719 1410 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf 10 7051 1407 Matched organization
https://www.sec.gov/comments/s7-42-10/s74210-11.pdf 11 7635 1406 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0144 22 9527 1393 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-4294 8 4971 1385 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-186590 52 9161 1334 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/December/20121213/R-1442/R-1442_102312_109652_373891000684_1.pdf 26 12454 1326 Individual or unmatched organization
https://www.sec.gov/comments/s7-39-10/s73910-63.pdf 7 2226 1308 Individual or unmatched organization
https://www.sec.gov/comments/s7-34-10/s73410-192.pdf 3 2693 1301 Matched organization
https://www.sec.gov/comments/s7-42-10/s74210-10.pdf 11 7442 1293 Matched organization
https://www.federalreserve.gov/SECRS/2017/January/20170124/R-1538/R-1538_081216_130439_377948682013_1.pdf 3 3655 1290 Matched organization
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 56 24811 1283 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-38.pdf 7 4188 1280 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-291.pdf 4 6779 1279 Matched organization
https://www.sec.gov/comments/s7-16-11/s71611-43.pdf 5 2052 1273 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0069 8 4000 1264 Matched organization
https://www.sec.gov/comments/s7-25-10/s72510-80.pdf 0 2744 1263 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_021312_104987_420899667517_1.pdf 4 6683 1249 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0131 9 2530 1243 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142467 55 8657 1240 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142684 16 3787 1217 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-260.pdf 23 11588 1203 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-49.pdf 0 3732 1196 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-162471 0 7737 1188 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-164416 0 7737 1188 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-267.pdf 23 9002 1188 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-269.pdf 14 6215 1185 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-11/s72511-18.pdf 18 2918 1183 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-297.pdf 19 15051 1174 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104992_420900761288_1.pdf 19 15037 1173 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120413/R-1432/R-1432_021312_104934_522411058588_1.pdf 22 11473 1170 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120329/R-1432/R-1432_021312_105396_439624570777_1.pdf 19 8946 1163 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2013-0002-0734 3 2098 1161 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101712_109231_345804474500_1.pdf 4 7887 1158 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0037-0702 18 3691 1153 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-209.pdf 5 4584 1148 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-586.pdf 0 2469 1145 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-1103 26 4347 1142 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0071 10 2388 1130 Matched organization
https://www.sec.gov/comments/s7-25-10/s72510-39.pdf 0 2641 1127 Individual or unmatched organization
eXsplot <- efficacyXsophistication %>% # filter(efficacy > 0) %>% #FIXME 
  ggplot() +
  aes(x = dictionary_terms, y = efficacy) + 
  geom_point(aes(y = 10131, x = 7705), color = "red", shape = 0, size = 3) +
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm") +
  labs(caption = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Lobbying Success\nn(Words From Comment\nAdded to Final Rule)",
       x = "Technical Terms in Comment",
       color = "") +
  theme(legend.position = "bottom")

eXsplot + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = .8, hjust = -0.05, size = 3.5)

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = .8, hjust = 1.05, size = 3.5)

# color 
eXsplot + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", 
           label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", 
           vjust = .8, hjust = -0.05, size = 3.5) + 
  aes(color = org) + labs(color = "")

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  aes(color = org)+ labs(color = "") + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = .8, hjust = 1.05, size = 3.5)

# legal citations
eXsplot <- efficacyXsophistication %>%  # filter(efficacy > 0) %>% #FIXME 
  ggplot() +
  aes(x = Total_Legal_Citations, y = efficacy) + 
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm") +
  labs(caption = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       color = "",
       y = "Lobbying Success\nn(Words From Comment\nAdded to Final Rule)",
       x = "Legal Citations in Comment") + 
  geom_point(aes(x = 31, y = 10131), color = "red", shape = 0, size = 3)+
  theme(legend.position = "bottom")


eXsplot  + 
  annotate(x = 31, y = 10131, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = .8, hjust = -0.05, size = 3.5)

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  annotate(y = 10131, x = 31, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = .5, hjust = 1.05, size = 3.5)

# color 
eXsplot  + 
  annotate(x = 31, y = 10131, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = .8, hjust = -0.05, size = 3.5)  + aes(color = org) + labs(color = "")

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  aes(color = org) + labs(color = "") + 
  annotate(y = 10131, x = 31, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = .8, hjust = 1.05, size = 3.5)



Number of comments per agency

Technical terms measured for 20,922 of 21,352 comments.

# matches
d %>% 
  count(Agency, name = "n comments matched with org") %>%
  left_join(
    d %>% 
      filter(comment_url %in% technical_terms$comment_url) %>% 
      count(Agency, name = "n with dictionary terms measured") 
    )  %>% 
  left_join(
    d %>% 
      dplyr::select(-efficacy) %>% 
      filter(comment_url %in% efficacy$comment_url) %>% 
      count(Agency, name = "n with efficacy measured")  
    )  %>% 
  kablebox()
Agency n comments matched with org n with dictionary terms measured n with efficacy measured
CFPB 11813 11438 2892
CFTC 3087 3083 NA
FRS 3383 3383 902
NCUA 78 27 9
SEC 2991 2991 1213

Plots

Sophistication x assets

Technical terms x assets

t <- d %>% drop_na(dictionary_terms)


# FDIC ASSTS 
p <- t %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`),
         `FDIC_Institutions-bestMatch:ASSET` > 10) %>% 
  ggplot() +
  aes(x = `FDIC_Institutions-bestMatch:ASSET`, # %>% log(), 
      y = dictionary_terms ) + 
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Assets",
       y = "Technical Terms", 
       title = "FDIC-Insured Banks")

p 

p + 
  scale_y_log10() + 
  scale_x_log10()

t %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`),
         `FDIC_Institutions-bestMatch:ASSET` > 10,
         dictionary_terms == 0) %>%
  dplyr::select(org_name, everything() ) %>% 
  kablebox()
org_name docket_id comment_docket_count comment_url comment_agency comment_org_name comment_submitter_name CIK_name CreditUnions_name FDIC_Institutions_name FFIECInstitutions_name SEC_Institutions_name compustat_resources_name nonprofits_resources_name opensecrets_resources_jwVersion_name best_match_name best_match_score best_match_type FDIC_Institutions-bestMatch:ASSET FDIC_Institutions-bestMatch:STNAME CIK-bestMatch:marketcap SEC_Institutions-bestMatch:Ticker compustat_resources-bestMatch:marketcap compustat_resources-bestMatch:naics nonprofits_resources-bestMatch:assets nonprofits_resources-bestMatch:revenue nonprofits_resources-bestMatch:ein opensecrets_resources_jwVersion-bestMatch:MeanContribAmountPerYearContributed opensecrets_resources_jwVersion-bestMatch:TotalContribAmount matches org_type org_resources opensecrets_resources_name org_comments best_match_org_comments marketcap marketcap2 Agency Org_type payday MeanContribAmount TotalContribAmount assets revenue naics Total Assets efficacy Total_Legal_Citations dictionary_terms
town country bank missouri CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1641 CFPB town country real estate cindy collins NA NA town country bank missouri NA NA NA NA NA town country bank missouri 0.9234144 FDIC 26610 Missouri NA NA NA NA NA NA NA NA NA town country bank missouri-FDIC FDIC 26610 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
bank forest CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-211822 CFPB bank forest allen breland NA NA bank forest NA NA NA NA NA bank forest 1.0000000 FDIC 165509 Mississippi NA NA NA NA NA NA NA NA NA bank forest-FDIC FDIC 165509 NA 4 4 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
bank forest CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-211876 CFPB bank forest allen breland NA NA bank forest NA NA NA NA NA bank forest 1.0000000 FDIC 165509 Mississippi NA NA NA NA NA NA NA NA NA bank forest-FDIC FDIC 165509 NA 4 4 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
reliance bank CFPB-2017-0021 1 https://www.regulations.gov/comment/CFPB-2017-0021-0005 CFPB reliance bank h barton buddy hann NA NA reliance bank NA NA NA NA NA reliance bank 1.0000000 FDIC 28637 New York NA NA NA NA NA NA NA NA NA reliance bank-FDIC FDIC 28637 NA 2 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
citizens national bank CFPB-2017-0021 1 https://www.regulations.gov/comment/CFPB-2017-0021-0033 CFPB citizens national bank della sanderford NA NA citizens national bank NA NA NA NA NA citizens national bank 1.0000000 FDIC 338179 Connecticut NA NA NA NA NA NA NA NA NA citizens national bank-FDIC FDIC 338179 NA 7 7 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
first harrison bank CFPB-2017-0021 1 https://www.regulations.gov/comment/CFPB-2017-0021-0034 CFPB first harrison bank jason pendleton NA NA first harrison bank NA NA NA NA NA first harrison bank 1.0000000 FDIC 760183 Indiana NA NA NA NA NA NA NA NA NA first harrison bank-FDIC FDIC 760183 NA 5 5 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
university bank CFPB-2017-0018 1 https://www.regulations.gov/comment/CFPB-2017-0018-0004 CFPB university bank teresa ferman NA NA university bank NA NA NA NA NA university bank 1.0000000 FDIC 65734 Missouri NA NA NA NA NA NA NA NA NA university bank-FDIC FDIC 65734 NA 2 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
alden state bank CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-208809 CFPB alden state bank hilde neubauer NA NA alden state bank NA NA NA NA NA alden state bank 1.0000000 FDIC 309183 New York NA NA NA NA NA NA NA NA NA alden state bank-FDIC FDIC 309183 NA 4 4 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
colonial savings fa CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1608 CFPB colonial savings bank fa kish ivey NA NA colonial savings fa NA NA NA NA NA colonial savings fa 0.9987592 FDIC 136400 Kansas NA NA NA NA NA NA NA NA NA colonial savings fa-FDIC FDIC 136400 NA 1 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
farmers merchants bank long beach CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1609 CFPB farmers merchants bank long beach angela oganezova NA NA farmers merchants bank long beach NA NA NA NA NA farmers merchants bank long beach 1.0000000 FDIC 6834068 California NA NA NA NA NA NA NA NA NA farmers merchants bank long beach-FDIC FDIC 6834068 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
first bank south CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1624 CFPB first south bank sheila greer NA NA first bank south NA NA NA NA NA first bank south 1.0000000 FDIC 156890 Illinois NA NA NA NA NA NA NA NA NA first bank south-FDIC FDIC 156890 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
columbia bank CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1618 CFPB columbia bank kathryn morris NA NA columbia bank NA NA NA NA NA columbia bank 1.0000000 FDIC 208384 Florida NA NA NA NA NA NA NA NA NA columbia bank-FDIC FDIC 208384 NA 2 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
peoples intermountain bank CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148853 CFPB peoples intermountain bank jay hunsaker NA NA peoples intermountain bank NA NA NA NA NA peoples intermountain bank 1.0000000 FDIC 1682347 Utah NA NA NA NA NA NA NA NA NA peoples intermountain bank-FDIC FDIC 1682347 NA 1 1 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
first federal arkansas fa CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-186578 CFPB arkansas federal credit union karyn davis NA NA first federal arkansas fa NA NA NA NA NA first federal arkansas fa 0.9702488 FDIC 1339075 Arkansas NA NA NA NA NA NA NA NA NA first federal arkansas fa-FDIC FDIC 1339075 NA 3 3 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
bryant bank CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-185082 CFPB bryant bank david long NA NA bryant bank NA NA NA NA NA bryant bank 1.0000000 FDIC 1501632 Alabama NA NA NA NA NA NA NA NA NA bryant bank-FDIC FDIC 1501632 NA 2 2 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
coastal bend national bank CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-0027 CFPB keller williams coastal bend char atnip NA NA coastal bend national bank NA NA NA NA NA coastal bend national bank 0.8568533 FDIC 38704 Texas NA NA NA NA NA NA NA NA NA coastal bend national bank-FDIC FDIC 38704 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
d l evans bank CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1324 CFPB d l evans bank trevor matthews NA NA d l evans bank NA NA NA NA NA d l evans bank 1.0000000 FDIC 1312267 Idaho NA NA NA NA NA NA NA NA NA d l evans bank-FDIC FDIC 1312267 NA 12 12 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
american pacific bank CFPB-2012-0028 1 https://www.regulations.gov/comment/CFPB-2012-0028-2031 CFPB american pacific mortgage marty allred NA NA american pacific bank NA NA NA NA NA american pacific bank 0.9459827 FDIC 124355 Oregon NA NA NA NA NA NA NA NA NA american pacific bank-FDIC FDIC 124355 NA 34 29 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
citizens state bank CFPB-2013-0002 1 https://www.regulations.gov/comment/CFPB-2013-0002-0073 CFPB citizens state bank kathy kruger NA NA citizens state bank NA NA NA NA NA citizens state bank 1.0000000 FDIC 261907 Oklahoma NA NA NA NA NA NA NA NA NA citizens state bank-FDIC FDIC 261907 NA 8 8 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
guardian bank CFPB-2013-0002 1 https://www.regulations.gov/comment/CFPB-2013-0002-0475 CFPB guardian bank pam horton NA NA guardian bank NA NA NA NA NA guardian bank 1.0000000 FDIC 73483 Florida NA NA NA NA NA NA NA NA NA guardian bank-FDIC FDIC 73483 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
united community bank S7-08-13 1 https://www.sec.gov/comments/s7-08-13/s70813-39.htm SEC united community bank garland certain NA NA united community bank NA NA NA NA NA united community bank 1.0000000 FDIC 34537 Kentucky NA NA NA NA NA NA NA NA NA united community bank-FDIC FDIC 34537 NA 5 5 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank san diego S7-09-15 1 https://www.sec.gov/comments/s7-09-15/s70915-4.htm SEC san diego michael d berlin NA NA bank san diego NA NA NA NA NA bank san diego 1.0000000 FDIC 294277 California NA NA NA NA NA NA NA NA NA bank san diego-FDIC FDIC 294277 NA 1 1 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
united republic bank S7-42-10 1 https://www.sec.gov/comments/s7-42-10/s74210-305.htm SEC united republic semkae kilonzo NA NA united republic bank NA NA NA NA NA united republic bank 1.0000000 FDIC 108100 Nebraska NA NA NA NA NA NA NA NA NA united republic bank-FDIC FDIC 108100 NA 1 2 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
reading cooperative bank S7-14-11 1 https://www.sec.gov/comments/s7-14-11/s71411-50.htm SEC reading cooperative bank julieann m thurlow NA NA reading cooperative bank NA NA NA NA NA reading cooperative bank 1.0000000 FDIC 513042 Massachusetts NA NA NA NA NA NA NA NA NA reading cooperative bank-FDIC FDIC 513042 NA 5 5 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
randolph savings bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-471.htm SEC randolph savings bank liz turner NA NA randolph savings bank NA NA NA NA NA randolph savings bank 1.0000000 FDIC 482761 Massachusetts NA NA NA NA NA NA NA NA NA randolph savings bank-FDIC FDIC 482761 NA 2 2 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank oldham county S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-326.htm SEC bank oldham county stephen m norton NA NA bank oldham county NA NA NA NA NA bank oldham county 1.0000000 FDIC 143340 Kentucky NA NA NA NA NA NA NA NA NA bank oldham county-FDIC FDIC 143340 NA 2 2 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
granite savings bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-210.htm SEC granite savings bank norman s seppala NA NA granite savings bank NA NA NA NA NA granite savings bank 1.0000000 FDIC 64975 Massachusetts NA NA NA NA NA NA NA NA NA granite savings bank-FDIC FDIC 64975 NA 1 1 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
greenfield cooperative bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-209.htm SEC greenfield cooperative bank anthony j worden NA NA greenfield cooperative bank NA NA NA NA NA greenfield cooperative bank 1.0000000 FDIC 578831 Massachusetts NA NA NA NA NA NA NA NA NA greenfield cooperative bank-FDIC FDIC 578831 NA 4 4 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
greenfield cooperative bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-207.htm SEC greenfield cooperative bank david g ahearn NA NA greenfield cooperative bank NA NA NA NA NA greenfield cooperative bank 1.0000000 FDIC 578831 Massachusetts NA NA NA NA NA NA NA NA NA greenfield cooperative bank-FDIC FDIC 578831 NA 4 4 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank elk river S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-206.htm SEC city elk river tim simon NA NA bank elk river NA NA NA NA NA bank elk river 0.9895928 FDIC 408374 Minnesota NA NA NA NA NA NA NA NA NA bank elk river-FDIC FDIC 408374 NA 1 3 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
greenfield cooperative bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-183.htm SEC greenfield cooperative bank eric marsh NA NA greenfield cooperative bank NA NA NA NA NA greenfield cooperative bank 1.0000000 FDIC 578831 Massachusetts NA NA NA NA NA NA NA NA NA greenfield cooperative bank-FDIC FDIC 578831 NA 4 4 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
first national bank bastrop S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-152.htm SEC first national bank bastrop reid sharp NA NA first national bank bastrop NA NA NA NA NA first national bank bastrop 1.0000000 FDIC 532024 Texas NA NA NA NA NA NA NA NA NA first national bank bastrop-FDIC FDIC 532024 NA 3 3 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
community bank R-1443_V1 1 https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1443/R-1443_110512_110579_355661550171_1.pdf FRS community bank david hughes NA NA community bank NA NA NA NA NA community bank 1.0000000 FDIC 569546 Alabama NA NA NA NA NA NA NA NA NA community bank-FDIC FDIC 569546 NA 15 15 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
community bank R-1443_V1 1 https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1443/R-1443_110512_110580_355662018945_1.pdf FRS community bank david j washer NA NA community bank NA NA NA NA NA community bank 1.0000000 FDIC 569546 Alabama NA NA NA NA NA NA NA NA NA community bank-FDIC FDIC 569546 NA 15 15 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
community bank R-1443_V1 1 https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1443/R-1443_110512_110581_355662331461_1.pdf FRS community bank coast NA NA community bank NA NA NA NA NA community bank 1.0000000 FDIC 569546 Alabama NA NA NA NA NA NA NA NA NA community bank-FDIC FDIC 569546 NA 15 15 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
compass bank CFTC-2012-0102 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58869 CFTC compass bank brian goodrich NA NA compass bank NA NA NA NA NA compass bank 1.0000000 FDIC 83988195 Alabama NA NA NA NA NA NA NA NA NA compass bank-FDIC FDIC 83988195 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules 65384.62 1700000 NA NA NA NA NA NA 0
regions bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=338 CFTC regions bank ex parte communication NA NA regions bank NA NA NA NA NA regions bank 1.0000000 FDIC 123636430 Alabama NA NA NA NA NA NA NA NA NA regions bank-FDIC FDIC 123636430 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank webster CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=317 CFTC webster bank ex parte communication NA NA bank webster NA NA NA NA NA bank webster 1.0000000 FDIC 4242 Georgia NA NA NA NA NA NA NA NA NA bank webster-FDIC FDIC 4242 NA 4 4 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
first national bank in miles city CFTC-2012-0019 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57329 CFTC stockman bank montana miles city montana bill bickle NA NA first national bank in miles city NA NA NA NA NA first national bank in miles city 0.6502750 FDIC 72868 Montana NA NA NA NA NA NA NA NA NA first national bank in miles city-FDIC FDIC 72868 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
goldman sachs bank usa CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=884 CFTC goldman sachs bank usa ex parte communication NA NA goldman sachs bank usa NA NA NA NA NA goldman sachs bank usa 1.0000000 FDIC 156156000 New York NA NA NA NA NA NA NA NA NA goldman sachs bank usa-FDIC FDIC 156156000 NA 3 3 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
allied cypress bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=223 CFTC cypress group cypress ex parte communication NA NA allied cypress bank NA NA NA NA NA allied cypress bank 0.9808917 FDIC 128701 Texas NA NA NA NA NA NA NA NA NA allied cypress bank-FDIC FDIC 128701 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
peoples bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27774 CFTC peoples bank jack hartings NA NA peoples bank NA NA NA NA NA peoples bank 1.0000000 FDIC 11896 Alabama NA NA NA NA NA NA NA NA NA peoples bank-FDIC FDIC 11896 NA 35 35 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
united oklahoma bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=238 CFTC bank oklahoma ex parte communication NA NA united oklahoma bank NA NA NA NA NA united oklahoma bank 1.0000000 FDIC 171925 Oklahoma NA NA NA NA NA NA NA NA NA united oklahoma bank-FDIC FDIC 171925 NA 2 3 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
capital one fsb CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=243 CFTC capital one na ex parte communication NA NA capital one fsb NA NA NA NA NA capital one fsb 0.9792454 FDIC 17487074 Virginia NA NA NA NA NA NA NA NA NA capital one fsb-FDIC FDIC 17487074 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
privatebank trust CFTC-2010-0196 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=417 CFTC privatebank trust ex parte communication NA NA privatebank trust NA NA NA NA NA privatebank trust 1.0000000 FDIC 20401001 Illinois NA NA NA NA NA NA NA NA NA privatebank trust-FDIC FDIC 20401001 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
vectra bank colorado national association CFTC-2013-0107 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1013 CFTC copperwood asset management lp copperwood vectra capital llc vectra ex parte communication NA NA vectra bank colorado national association NA NA NA NA NA vectra bank colorado national association 0.5954048 FDIC 3317609 New Mexico NA NA NA NA NA NA NA NA NA vectra bank colorado national association-FDIC FDIC 3317609 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
farmers national bank CFTC-2013-0107 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59661 CFTC national farmers organization michael miller NA NA farmers national bank NA NA NA NA NA farmers national bank 0.9931716 FDIC 86960 Kentucky NA NA NA NA NA NA NA NA NA farmers national bank-FDIC FDIC 86960 NA 1 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
great plains national bank CFTC-2013-0107 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59559 CFTC great plains national bank terry shelby NA NA great plains national bank NA NA NA NA NA great plains national bank 1.0000000 FDIC 217138 North Dakota NA NA NA NA NA NA NA NA NA great plains national bank-FDIC FDIC 217138 NA 3 3 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
huntington bank martinsburg national association CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1187 CFTC american bankers association bbt corporation bok financial comerica bank huntington national bank regions bank ex parte communication NA NA huntington bank martinsburg national association NA NA NA NA NA huntington bank martinsburg national association 0.6668734 FDIC 136447 West Virginia NA NA NA NA NA NA NA NA NA huntington bank martinsburg national association-FDIC FDIC 136447 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
jp morgan delaware CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1166 CFTC jp morgan ex parte communication NA NA jp morgan delaware NA NA NA NA NA jp morgan delaware 1.0000000 FDIC 2812803 Delaware NA NA NA NA NA NA NA NA NA jp morgan delaware-FDIC FDIC 2812803 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank new york mellon trust company national association CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=997 CFTC state street bank new york mellon northern trust ex parte communication NA NA bank new york mellon trust company national association NA NA NA NA NA bank new york mellon trust company national association 0.5018417 FDIC 2131826 California NA NA NA NA NA NA NA NA NA bank new york mellon trust company national association-FDIC FDIC 2131826 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
jp morgan delaware CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1095 CFTC jp morgan ex parte communication NA NA jp morgan delaware NA NA NA NA NA jp morgan delaware 1.0000000 FDIC 2812803 Delaware NA NA NA NA NA NA NA NA NA jp morgan delaware-FDIC FDIC 2812803 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
firstmerit bank fsb CFTC-2010-0153 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50300 CFTC firstmerit bank jason ebert NA NA firstmerit bank fsb NA NA NA NA NA firstmerit bank fsb 1.0000000 FDIC 119633 Florida NA NA NA NA NA NA NA NA NA firstmerit bank fsb-FDIC FDIC 119633 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
regional bank CFTC-2010-0153 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27084 CFTC regional bank corey means NA NA regional bank NA NA NA NA NA regional bank 1.0000000 FDIC 251274 Indiana NA NA NA NA NA NA NA NA NA regional bank-FDIC FDIC 251274 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
regional bank CFTC-2010-0158 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26499 CFTC regional bank corey means NA NA regional bank NA NA NA NA NA regional bank 1.0000000 FDIC 251274 Indiana NA NA NA NA NA NA NA NA NA regional bank-FDIC FDIC 251274 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
firstmerit bank fsb CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50301 CFTC firstmerit bank jason ebert NA NA firstmerit bank fsb NA NA NA NA NA firstmerit bank fsb 1.0000000 FDIC 119633 Florida NA NA NA NA NA NA NA NA NA firstmerit bank fsb-FDIC FDIC 119633 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
oxford university bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33431 CFTC university oxford simon driscoll NA NA oxford university bank NA NA NA NA NA oxford university bank 1.0000000 FDIC 131837 Mississippi NA NA NA NA NA NA NA NA NA oxford university bank-FDIC FDIC 131837 NA 2 4 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
silicon valley bank CFTC-2010-0115 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=4816 CFTC silicon valley forex lawrence pingree NA NA silicon valley bank NA NA NA NA NA silicon valley bank 0.8349614 FDIC 45813986 California NA NA NA NA NA NA NA NA NA silicon valley bank-FDIC FDIC 45813986 NA 3 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
frost bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=28389 CFTC frost bank tim mccormick NA NA frost bank NA NA NA NA NA frost bank 1.0000000 FDIC 30552661 Texas NA NA NA NA NA NA NA NA NA frost bank-FDIC FDIC 30552661 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA 2139676 2005846 NA NA NA NA 0
united republic bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=28135 CFTC republic united states special victim NA NA united republic bank NA NA NA NA NA united republic bank 0.8960139 FDIC 108100 Nebraska NA NA NA NA NA NA NA NA NA united republic bank-FDIC FDIC 108100 NA 1 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
regional bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56717 CFTC regional bank corey means NA NA regional bank NA NA NA NA NA regional bank 1.0000000 FDIC 251274 Indiana NA NA NA NA NA NA NA NA NA regional bank-FDIC FDIC 251274 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
# nonprofits
p <- t %>% 
  filter(!is.na(assets),
         assets > 10) %>% 
  ggplot() +
  aes(x = assets, 
      y = dictionary_terms) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Assets",
       y = "Technical Terms",
       title = "Nonprofits")

p 

p

# p + 
#   scale_y_log10() +
#   scale_x_log10()

# contribution
p <- t %>% 
  filter(!is.na(MeanContribAmount)) %>%
  ggplot() +
  aes(x = MeanContribAmount/1000, 
      y = dictionary_terms) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Mean PAC Contribution ($1,000)",
       y = "Technical Terms",
       title = "Campaign Donors")

p

p + 
  scale_y_log10() +
  scale_x_log10()


p <- t %>% 
  filter(!is.na(marketcap2)) %>% 
  ggplot() +
  aes(x = marketcap2/1000000000, 
      y = dictionary_terms) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Market Capitalization (Billions)",
       y = "Technical Terms",
       title = "Publicly-Traded Companies")

p 

p + 
  scale_y_log10() +
  scale_x_log10() + 
  xlim(c(0, 400))

Efficacy x assets

e <- d %>% drop_na(efficacy)


# FDIC ASSTS 
p <- e %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`)) %>% 
  ggplot() +
  aes(x = `FDIC_Institutions-bestMatch:ASSET`/1000, # %>% log(), 
      y = efficacy ) + 
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Assets ($1,000)",
       y = "Words in Comment\nAdded to Final Rule", 
       title = "FDIC-Insured Banks")

p

p + 
  scale_y_log10() +
  scale_x_log10()


e %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`), efficacy == 0) %>%
  dplyr::select(org_name, everything() ) %>% 
  kablebox()
org_name docket_id comment_docket_count comment_url comment_agency comment_org_name comment_submitter_name CIK_name CreditUnions_name FDIC_Institutions_name FFIECInstitutions_name SEC_Institutions_name compustat_resources_name nonprofits_resources_name opensecrets_resources_jwVersion_name best_match_name best_match_score best_match_type FDIC_Institutions-bestMatch:ASSET FDIC_Institutions-bestMatch:STNAME CIK-bestMatch:marketcap SEC_Institutions-bestMatch:Ticker compustat_resources-bestMatch:marketcap compustat_resources-bestMatch:naics nonprofits_resources-bestMatch:assets nonprofits_resources-bestMatch:revenue nonprofits_resources-bestMatch:ein opensecrets_resources_jwVersion-bestMatch:MeanContribAmountPerYearContributed opensecrets_resources_jwVersion-bestMatch:TotalContribAmount matches org_type org_resources opensecrets_resources_name org_comments best_match_org_comments marketcap marketcap2 Agency Org_type payday MeanContribAmount TotalContribAmount assets revenue naics Total Assets efficacy Total_Legal_Citations dictionary_terms
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148772 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 24
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148771 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 116
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148775 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 42
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148773 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 79
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148774 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 26
first american savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-199026 CFPB first american loan first american loan first american loan NA NA first american savings loan association NA NA NA NA NA first american savings loan association 1.0000000 FDIC 34249 Illinois NA NA NA NA NA NA NA NA NA first american savings loan association-FDIC FDIC 34249 NA 2 2 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 25
progress bank R-1438_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140307/R-1483/R-1483_021314_112095_541706233068_1.pdf FRS progress bank james d brown NA NA progress bank NA NA NA NA NA progress bank 1.0000000 FDIC 1160733 Pennsylvania NA NA NA NA NA NA NA NA NA progress bank-FDIC FDIC 1160733 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 26
sound community bank R-1438_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140325/R-1483/R-1483_032514_112152_593835800716_1.pdf FRS sound community bank gary l boman NA NA sound community bank NA NA NA NA NA sound community bank 1.0000000 FDIC 574740 Washington NA NA NA NA NA NA NA NA NA sound community bank-FDIC FDIC 574740 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 52
progress bank R-1482_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140307/R-1482/R-1483_021314_112095_541706233068_1.pdf FRS progress bank james d brown NA NA progress bank NA NA NA NA NA progress bank 1.0000000 FDIC 1160733 Pennsylvania NA NA NA NA NA NA NA NA NA progress bank-FDIC FDIC 1160733 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 26
sound community bank R-1482_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140325/R-1482/R-1482_032514_112149_593395313546_1.pdf FRS sound community bank gary l boman NA NA sound community bank NA NA NA NA NA sound community bank 1.0000000 FDIC 574740 Washington NA NA NA NA NA NA NA NA NA sound community bank-FDIC FDIC 574740 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 50
# nonprofits
p <- e %>% 
  filter(!is.na(assets)) %>% 
  ggplot() +
  aes(x = assets/1000, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Assets ($1,000)",
       y = "Words in Comment\nAdded to Final Rule", 
       title = "Nonprofits")

p

p + 
  scale_y_log10() +
  scale_x_log10()


# contribution
p <- e %>% 
  filter(!is.na(MeanContribAmount)) %>%
  ggplot() +
  aes(x = MeanContribAmount/1000, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Mean PAC Contribution ($1,000)",
       y = "Words in Comment\nAdded to Final Rule",
       title = "Campaign Donors")

p

p + 
  scale_y_log10() +
  scale_x_log10()

# market cap
p <- e %>% 
  filter(!is.na(marketcap2)) %>% 
  ggplot() +
  aes(x = marketcap2/1000000, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Market Capitalization ($1,000,000)",
       y = "Words in Comment\nAdded to Final Rule",
       title = "Publicly-traded Companies")

p

p + 
  scale_y_log10() +
  scale_x_log10()

Efficacy x sophistication

p <- e %>% 
  ggplot() +
  aes(x = Total_Legal_Citations, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Legal Citations",
       y = "Words in Comment\nAdded to Final Rule") 

p

p + 
  scale_y_log10() +
  scale_x_log10()

p <- e %>% 
  #filter(!is.na(marketcap2)) %>% 
  ggplot() +
  aes(x = dictionary_terms, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Technical Terms",
       y = "Words in Comment\nAdded to Final Rule") 

p

p + 
  scale_y_log10() +
  scale_x_log10()


Regressions

# change knitr defaults 
knitr::opts_chunk$set(fig.show="show",
                      fig.height=1, 
                      fig.width=5, 
                      out.width = "80%")

Sophistication

NOTE: I’m using OLS for now but will switch to Poisson or Negative Binomial.

Bluebook

b %>% drop_na(assets, Total_Legal_Citations) %>% 
  arrange(-Total_Legal_Citations) %>% 
  dplyr::select(assets, Total_Legal_Citations, comment_url) %>% 
  kablebox()
assets Total_Legal_Citations comment_url
147073247 273 https://www.regulations.gov/comment/CFPB-2016-0025-3913
325391 149 https://www.regulations.gov/comment/CFPB-2014-0033-0164
325391 144 https://www.regulations.gov/comment/CFPB-2011-0007-0006
325391 144 https://www.regulations.gov/comment/CFPB-2011-0005-0008
325391 144 https://www.regulations.gov/comment/CFPB-2011-0006-0006
325391 144 https://www.regulations.gov/comment/CFPB-2011-0003-0009
17440205 114 https://www.regulations.gov/comment/CFPB-2013-0033-0386
17440205 96 https://www.regulations.gov/comment/CFPB-2016-0020-5831
17440205 86 https://www.regulations.gov/comment/CFPB-2014-0033-0136
5568496 84 https://www.sec.gov/comments/s7-03-13/s70313-335.pdf
4642138 82 https://www.regulations.gov/comment/CFPB-2013-0033-0393
4205309 80 https://www.regulations.gov/comment/CFPB-2016-0025-154512
2522436 75 https://www.regulations.gov/comment/CFPB-2016-0025-142779
281328 63 https://www.regulations.gov/comment/CFPB-2014-0033-0056
3898749 62 https://www.sec.gov/comments/s7-02-13/s70213-42.pdf
10519520 57 https://www.regulations.gov/comment/CFPB-2012-0028-2732
10519520 57 https://www.regulations.gov/comment/CFPB-2012-0028-2782
3623362 56 https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf
10769784 52 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf
325391 51 https://www.regulations.gov/comment/CFPB-2014-0033-0144
17440205 49 https://www.regulations.gov/comment/CFPB-2013-0002-0876
1163000 48 https://www.regulations.gov/comment/CFPB-2014-0033-0117
3858601 45 https://www.regulations.gov/comment/CFPB-2016-0020-4318
856845 45 https://www.federalreserve.gov/SECRS/2012/September/20120912/R-1438/R-1438_043012_107236_478911121698_1.pdf
1493337 45 https://www.federalreserve.gov/SECRS/2011/September/20110913/R-1417/R-1417_072211_83618_591648672754_1.pdf
325391 44 https://www.regulations.gov/comment/CFPB-2012-0028-2765
325391 43 https://www.regulations.gov/comment/CFPB-2014-0019-0256
325391 41 https://www.regulations.gov/comment/CFPB-2013-0018-0274
17440205 40 https://www.regulations.gov/comment/CFPB-2012-0034-0098
17440205 40 https://www.regulations.gov/comment/CFPB-2012-0028-2811
17440205 36 https://www.regulations.gov/comment/CFPB-2011-0008-1294
1493337 36 https://www.regulations.gov/comment/CFPB-2012-0022-0141
3898749 36 https://www.sec.gov/comments/s7-06-13/s70613-410.pdf
4205309 36 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072211_84149_582986006434_1.pdf
3630494 36 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59673
3630494 36 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59674
325391 34 https://www.regulations.gov/comment/CFPB-2013-0033-0322
239942508 33 https://www.sec.gov/comments/s7-12-15/s71215-67.pdf
129958383 32 https://www.regulations.gov/comment/CFPB-2012-0028-2673
129958383 32 https://www.regulations.gov/comment/CFPB-2011-0006-0005
129958383 32 https://www.regulations.gov/comment/CFPB-2011-0007-0005
325391 31 https://www.regulations.gov/comment/CFPB-2012-0028-0488
325391 31 https://www.regulations.gov/comment/CFPB-2012-0029-0123
3898749 31 https://www.sec.gov/comments/s7-23-07/s72307-52.pdf
1206948 31 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27986
129958383 30 https://www.sec.gov/comments/s7-41-11/s74111-280.pdf
129958383 30 https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105526_519231400402_1.pdf
129958383 30 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56779
1631980 30 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60006
129958383 29 https://www.regulations.gov/comment/CFPB-2016-0025-145307
129958383 29 https://www.regulations.gov/comment/CFPB-2016-0025-143966
17440205 28 https://www.regulations.gov/comment/CFPB-2012-0029-0093
17440205 28 https://www.regulations.gov/comment/CFPB-2012-0029-0138
129958383 27 https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf
325391 26 https://www.regulations.gov/comment/CFPB-2013-0010-0072
3898749 26 https://www.sec.gov/comments/s7-03-13/s70313-260.pdf
15004509 26 https://www.sec.gov/comments/s7-14-11/s71411-477.pdf
16527796 26 https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf
15004509 26 https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111505_347820850655_1.pdf
6705 26 https://www.federalreserve.gov/SECRS/2013/February/20130225/R-1442/R-1442_102212_109752_308151608828_1.pdf
56229 26 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26871
56229 26 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26873
101575280 25 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61103
129958383 24 https://www.regulations.gov/comment/CFPB-2012-0022-0133
15004509 24 https://www.sec.gov/comments/s7-41-11/s74111-595.pdf
3898749 24 https://www.sec.gov/comments/s7-08-12/s70812-4661033-176513.pdf
2383557424 24 https://www.sec.gov/comments/s7-41-11/s74111-253.pdf
29950244 24 https://www.sec.gov/comments/s7-42-10/s74210-45.pdf
15004509 24 https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf
607993699 24 https://www.federalreserve.gov/SECRS/2011/April/20110405/R-1404/R-1404_022211_67820_571445654740_1.pdf
41801 23 https://www.regulations.gov/comment/CFPB-2016-0020-4256
2522436 23 https://www.regulations.gov/comment/CFPB-2016-0025-143313
1493337 23 https://www.regulations.gov/comment/CFPB-2012-0034-0146
1493337 23 https://www.regulations.gov/comment/CFPB-2012-0033-0162
17440205 23 https://www.regulations.gov/comment/CFPB-2012-0037-0697
10769784 23 https://www.regulations.gov/comment/CFPB-2011-0003-0007
10769784 23 https://www.sec.gov/comments/s7-18-08/s71808-79.pdf
125619 22 https://www.regulations.gov/comment/CFPB-2016-0020-2974
201795 22 https://www.regulations.gov/comment/CFPB-2014-0024-0030
325391 22 https://www.regulations.gov/comment/CFPB-2012-0034-0144
325391 22 https://www.regulations.gov/comment/CFPB-2012-0033-0161
95102 22 https://www.sec.gov/comments/s7-42-10/s74210-114.pdf
27974396 22 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56804
17440205 21 https://www.regulations.gov/comment/CFPB-2014-0033-0029
17440205 21 https://www.regulations.gov/comment/CFPB-2013-0031-0019
959629 21 https://www.federalreserve.gov/SECRS/2017/May/20170518/R-1550/R-1550_021717_131709_429070260162_1.pdf
3504695 21 https://www.federalreserve.gov/SECRS/2012/March/20120321/R-1432/R-1432_021312_105388_329625197266_1.pdf
325391 20 https://www.sec.gov/comments/s7-14-11/s71411-472.pdf
3623362 20 https://www.federalreserve.gov/SECRS/2014/September/20140909/R-1492/R-1492_081114_129586_426052826308_1.pdf
325391 20 https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111548_566101121654_1.pdf
16527796 20 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60385
3898749 19 https://www.sec.gov/comments/s7-14-11/s71411-433.pdf
1493337 19 https://www.sec.gov/comments/s7-14-11/s71411-379.pdf
1493337 19 https://www.federalreserve.gov/SECRS/2013/November/20131112/R-1411/R-1411_102413_111429_581213386453_1.pdf
3898749 19 https://www.federalreserve.gov/SECRS/2013/December/20131218/R-1411/R-1411_103013_111521_347818506785_1.pdf
17440205 19 https://www.federalreserve.gov/SECRS/2011/February/20110203/R-1394/R-1394_122710_57897_507546848429_1.pdf
16527796 19 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26810
245610 18 https://www.regulations.gov/comment/CFPB-2016-0020-6119
68 18 https://www.regulations.gov/comment/CFPB-2016-0025-142821
17440205 18 https://www.regulations.gov/comment/CFPB-2014-0019-0137

These models have the prefix mb_. The dependent variable is a count of technical terms per comment.

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Sophistication",
  `2` = "Sophistication",
  `3` = "Sophistication"
)

attr(rows, 'position') <- c(0)


mb_assets <- lm(Total_Legal_Citations ~ assets,  data = b  %>% mutate(assets = assets/10000000000))

mb_opensecrets <- glm(Total_Legal_Citations ~ MeanContribAmount,
           data = b %>% mutate(MeanContribAmount = MeanContribAmount/10000))

mb_marketcap <- glm(Total_Legal_Citations ~ marketcap2,
           data = b  %>% mutate(marketcap2 = marketcap2/10000000000))

models <- list(mb_assets, mb_opensecrets, mb_marketcap)

modelsummary(models)
Model 1 Model 2 Model 3
Dependent Variable Sophistication Sophistication Sophistication
Assets −0.196
(0.195)
PAC Donations 0.000*
(0.000)
Market Capitalization 0.274***
(0.039)
Num.Obs. 7987 2032 403
Log.Lik. −26515.057 −6018.106 −1200.858
F 1.017
+ p < 0.1, * p < 0.05, ** p < 0.01, *** p < 0.001
modelplot(mb_opensecrets) + theme(legend.position = "none") +  
  labs(x = "Additional Legal Citations per Ten Thousand Dollars")

modelplot(mb_marketcap) + theme(legend.position = "none") +  
  labs(x = "Additional Legal Citations per Ten Billion Dollars")

Technical Terms

These models have the prefix mt_. The dependent variable is a count of technical terms per comment.

t %>% drop_na(assets, dictionary_terms) %>% 
  arrange(-dictionary_terms) %>% 
  dplyr::select(assets, dictionary_terms, comment_url) %>% 
  kablebox()
assets dictionary_terms comment_url
4205309 47531 https://www.regulations.gov/comment/CFPB-2016-0025-154512
607993699 34328 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59278
17440205 26080 https://www.regulations.gov/comment/CFPB-2013-0033-0386
3623362 24811 https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf
350942 21388 https://www.sec.gov/comments/s7-08-10/s70810-60.pdf
239942508 20708 https://www.sec.gov/comments/s7-14-11/s71411-133.pdf
239942508 20691 https://www.federalreserve.gov/SECRS/2012/June/20120607/R-1411/R-1411_050212_107284_511638451448_1.pdf
4642138 20190 https://www.regulations.gov/comment/CFPB-2013-0033-0393
129958383 19544 https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf
2522436 18202 https://www.regulations.gov/comment/CFPB-2016-0025-143313
325391 16402 https://www.regulations.gov/comment/CFPB-2014-0033-0164
147073247 16394 https://www.regulations.gov/comment/CFPB-2016-0025-3913
14549 15579 https://www.federalreserve.gov/SECRS/2016/August/20160812/R-1536/R-1536_071816_130347_536946206490_1.pdf
41801 15569 https://www.regulations.gov/comment/CFPB-2016-0020-4256
325391 14287 https://www.regulations.gov/comment/CFPB-2013-0018-0274
17440205 14194 https://www.regulations.gov/comment/CFPB-2016-0020-5831
792265099 12891 https://www.regulations.gov/comment/CFPB-2016-0025-142716
325391 12826 https://www.regulations.gov/comment/CFPB-2013-0010-0072
56014529 12291 https://www.sec.gov/comments/s7-09-15/s70915-37.pdf
2522436 11944 https://www.regulations.gov/comment/CFPB-2016-0025-142779
1 11752 https://www.sec.gov/comments/s7-14-11/s71411-448.pdf
10519520 11724 https://www.regulations.gov/comment/CFPB-2012-0028-2732
10519520 11724 https://www.regulations.gov/comment/CFPB-2012-0028-2782
1493337 11318 https://www.regulations.gov/comment/CFPB-2012-0034-0146
1493337 11318 https://www.regulations.gov/comment/CFPB-2012-0033-0162
287090 11217 https://www.sec.gov/comments/s7-40-10/s74010-566.pdf
162861 11132 https://www.regulations.gov/comment/CFPB-2013-0033-0381
17440205 10933 https://www.regulations.gov/comment/CFPB-2014-0033-0136
239942508 10907 https://www.sec.gov/comments/s7-12-15/s71215-67.pdf
129958383 10420 https://www.regulations.gov/comment/CFPB-2012-0028-2673
56014529 10274 https://www.sec.gov/comments/s7-03-13/s70313-200.pdf
56014529 10255 https://www.federalreserve.gov/SECRS/2011/October/20111027/R-1411/R-1411_072911_84795_375984547538_1.pdf
137397062 10174 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27632
239942508 9858 https://www.sec.gov/comments/s7-14-11/s71411-496.pdf
325391 9630 https://www.regulations.gov/comment/CFPB-2012-0028-2765
325391 9527 https://www.regulations.gov/comment/CFPB-2012-0034-0144
325391 9527 https://www.regulations.gov/comment/CFPB-2012-0033-0161
4664210 9006 https://www.sec.gov/comments/s7-42-10/s74210-111.pdf
55379987 8803 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60009
5568496 8772 https://www.sec.gov/comments/s7-03-13/s70313-335.pdf
215273019 8719 https://www.sec.gov/comments/s7-42-10/s74210-29.pdf
10769784 8175 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf
101575280 8022 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61103
1493337 7887 https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101712_109231_345804474500_1.pdf
9683853 7868 https://www.regulations.gov/comment/CFPB-2013-0033-0257
1493337 7801 https://www.federalreserve.gov/SECRS/2011/September/20110913/R-1417/R-1417_072211_83618_591648672754_1.pdf
17440205 7796 https://www.regulations.gov/comment/CFPB-2012-0037-0697
5162052 7741 https://www.sec.gov/comments/s7-07-15/s70715-7.pdf
607993699 7693 https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021412_104998_542080912901_1.pdf
4774661 7676 https://www.federalreserve.gov/SECRS/2011/July/20110720/R-1411/R-1411_071911_82486_515342202512_1.pdf
514968 7642 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56670
4774661 7568 https://www.federalreserve.gov/SECRS/2011/August/20110816/R-1411/R-1411_071911_83003_343758551646_1.pdf
1493337 7565 https://www.federalreserve.gov/SECRS/2011/November/20111102/R-1411/R-1411_071111_81843_461173881221_1.pdf
2739095521 7509 https://www.sec.gov/comments/s7-12-11/s71211-525.pdf
2739095521 7505 https://www.federalreserve.gov/SECRS/2011/June/20110617/R-1410/R-1410_052711_80831_567300351176_1.pdf
2739095521 7474 https://www.sec.gov/comments/s7-13-11/s71311-13.pdf
128273933 7442 https://www.sec.gov/comments/s7-42-10/s74210-10.pdf
16527796 7382 https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf
245610 7144 https://www.regulations.gov/comment/CFPB-2016-0020-6119
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0007-0006
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0005-0008
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0006-0006
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0003-0009
2844521 7051 https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf
239942508 6947 https://www.sec.gov/comments/s7-07-13/s70713-957.pdf
17440205 6874 https://www.regulations.gov/comment/CFPB-2012-0034-0098
56014529 6822 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56675
56014529 6791 https://www.sec.gov/comments/s7-41-11/s74111-454.pdf
1493337 6777 https://www.sec.gov/comments/s7-14-11/s71411-96.pdf
56014529 6743 https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1432/R-1432_021312_104980_555632790183_1.pdf
1493337 6495 https://www.regulations.gov/comment/CFPB-2012-0022-0141
3630494 6440 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59673
3630494 6440 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59674
16527796 6419 https://www.sec.gov/comments/s7-07-16/s70716-1761663-152156.pdf
10769784 6327 https://www.federalreserve.gov/SECRS/2011/September/20110919/R-1411/R-1411_080111_86569_410806316110_1.pdf
80805 6230 https://www.regulations.gov/comment/CFPB-2011-0008-0831
80805 6226 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072211_83475_406852841107_1.pdf
27358153 6215 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56686
10769784 6153 https://www.sec.gov/comments/s7-14-11/s71411-250.pdf
1919149 6056 https://www.regulations.gov/comment/CFPB-2013-0033-0258
27974396 6041 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56804
1493337 6025 https://www.federalreserve.gov/SECRS/2013/November/20131112/R-1411/R-1411_102413_111429_581213386453_1.pdf
17440205 6013 https://www.regulations.gov/comment/CFPB-2011-0008-1294
4205309 6007 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072211_84149_582986006434_1.pdf
27358153 5972 https://www.federalreserve.gov/SECRS/2012/April/20120404/R-1432/R-1432_021312_105394_439624102018_1.pdf
10769784 5949 https://www.sec.gov/comments/s7-02-13/s70213-53.pdf
61401498 5926 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27742
1987617 5916 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=45825
1493337 5894 https://www.sec.gov/comments/s7-14-11/s71411-379.pdf
325391 5891 https://www.regulations.gov/comment/CFPB-2014-0033-0144
129958383 5815 https://www.regulations.gov/comment/CFPB-2016-0025-145307
129958383 5815 https://www.regulations.gov/comment/CFPB-2016-0025-143966
80805 5775 https://www.federalreserve.gov/SECRS/2011/December/20111220/R-1411/R-1411_080111_87569_417744798016_1.pdf
15004509 5765 https://www.sec.gov/comments/s7-14-11/s71411-358.pdf
61621 5765 https://www.federalreserve.gov/SECRS/2011/November/20111117/R-1411/R-1411_080111_87585_417747454283_1.pdf
105827166 5763 https://www.federalreserve.gov/SECRS/2011/August/20110804/R-1411/R-1411_080111_87488_417746360526_1.pdf
15004509 5763 https://www.federalreserve.gov/SECRS/2013/April/20130415/R-1411/R-1411_040113_111052_486187566706_1.pdf
717290 5743 https://www.sec.gov/comments/s7-40-10/s74010-282.pdf
4810854 5728 https://www.sec.gov/comments/s7-45-10/s74510-655.pdf
105827166 5720 https://www.sec.gov/comments/s7-14-11/s71411-271.pdf
# broken out by org type 

mt_assets <- lm(dictionary_terms ~ assets,
           data = t  %>% mutate(assets = assets/10000000000))

mt_opensecrets <- glm(dictionary_terms ~ MeanContribAmount,
           data = t %>% mutate(MeanContribAmount = MeanContribAmount/10000))

mt_marketcap <- glm(dictionary_terms ~ marketcap2,
           data = t  %>% mutate(marketcap2 = marketcap2/10000000000))

models <- list(mt_assets, mt_marketcap)

# FIXME 
# modelsummary(models)

modelplot( mt_opensecrets) + theme(legend.position = "none") +  
  labs(x = "Additional Technical Terms per Ten Thousand Dollars")

modelplot(mt_marketcap) + theme(legend.position = "none") + 
  labs(x = "Additional Technical Terms per Ten Billion Dollars")


Efficacy

Efficacy by Assets

These models have the prefix me_. The dependent variable is the efficacy score.

# broken out by org type 

mea_assets <- lm(efficacy ~ assets,
           data = e  %>% mutate(assets = assets/1000000))

mea_opensecrets <- glm(efficacy ~ MeanContribAmount,
           data = e %>% mutate(MeanContribAmount = MeanContribAmount/1000))

mea_marketcap <- glm(efficacy ~ marketcap2,
           data = e  %>% mutate(marketcap2 = marketcap2/1000000))

models <- list(mea_assets, mea_opensecrets, mea_marketcap)

# FIXME 
#modelsummary(models)

modelplot( mea_assets) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Million Dollars")

modelplot( mea_opensecrets) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Thousand Dollars")

modelplot(mea_marketcap) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Million Dollars")

Efficacy by Sophistication

These models have the prefix mes_. The dependent variable is the efficacy score.

mes_bluebook <- lm(efficacy ~ Total_Legal_Citations,
           data = d )

mes_terms <- glm(efficacy ~ dictionary_terms,
           data = d)

mes_terms_bluebook <- glm(efficacy ~ dictionary_terms + Total_Legal_Citations,
           data = d )

models <- list(mes_terms , mes_bluebook , mes_terms_bluebook )

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Efficacy",
   `2` = "Efficacy",
  `3` = "Efficacy"
)

attr(rows, 'position') <- c(0)


# FIXME 
# modelsummary(models)#, gof_map = gm)

modelplot(mes_terms) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Technical Term")

modelplot( mes_bluebook ) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Legal Citation")

modelplot(mes_terms_bluebook ) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule")

modelplot(models) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule")


Efficacy by Assets Mediated by Sophistication

To assess sophistication as a mediator between wealth and the influence of public comments on rules (efficacy), we estimate the average conditional marginal effect (ACME, conditional on the number of technical terms or legal citations) and average direct effect (ADE) of wealth using mediation analysis.

These models have the prefix mem_. The dependent variable is the efficacy score. The mediator is technical terms.

Assets x technical terms

# model predicting mediator, sophistication 
model.m <- lm(dictionary_terms ~ assets,  
              data = b  %>% mutate(assets = assets/10000000000) %>% 
                drop_na(dictionary_terms, efficacy))

# model predicting DV
model.y <- glm(efficacy ~ dictionary_terms + assets,  
               data = b  %>% mutate(assets = assets/10000000000))

models <- list(model.m, model.y)

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Technical Terms",
   `2` = "Efficacy",
)

attr(rows, 'position') <- c(0)


modelsummary(models)
Model 1 Model 2
Dependent Variable Technical Terms Efficacy
Assets −100.512 −5.367
(128.520) (12.890)
Technical Terms 0.093***
(0.003)
Num.Obs. 1584 1584
Log.Lik. −14430.456 −10787.024
F 0.612
+ p < 0.1, * p < 0.05, ** p < 0.01, *** p < 0.001
med.cont <- mediate(model.m, model.y, sims=1000, treat = "assets",
mediator = "dictionary_terms")

summary(med.cont)
## 
## Causal Mediation Analysis 
## 
## Quasi-Bayesian Confidence Intervals
## 
##                Estimate 95% CI Lower 95% CI Upper p-value
## ACME             -9.441      -32.495        14.61    0.44
## ADE              -4.875      -30.621        22.05    0.72
## Total Effect    -14.316      -48.685        22.23    0.42
## Prop. Mediated    0.536       -5.432         5.51    0.38
## 
## Sample Size Used: 1584 
## 
## 
## Simulations: 1000
plot(med.cont, 
     main = "Technical Terms as a Mediator Between\nAssets and Lobbying Success",       
     xlab = "Words from Comment Added to Final Rule")

Market cap x technical terms

# model predicting mediator, sophistication 
model.m <- lm(dictionary_terms ~ marketcap2,  
              data = b  %>% mutate(marketcap2 = marketcap2/10000000000) %>% 
                drop_na(dictionary_terms, efficacy))

# model predicting DV
model.y <- glm(efficacy ~ dictionary_terms + marketcap2,  
               data = b  %>% mutate(marketcap2 = marketcap2/10000000000))

models <- list(model.m, model.y)

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Technical Terms",
   `2` = "Efficacy",
)

attr(rows, 'position') <- c(0)


modelsummary(models)
Model 1 Model 2
Dependent Variable Technical Terms Efficacy
Market Capitalization 52.010* 1.230
(25.277) (2.531)
Technical Terms 0.115***
(0.009)
Num.Obs. 133 133
Log.Lik. −1208.764 −900.063
F 4.234
+ p < 0.1, * p < 0.05, ** p < 0.01, *** p < 0.001
med.cont <- mediate(model.m, model.y, sims=1000, treat = "marketcap2",
mediator = "dictionary_terms")

summary(med.cont)
## 
## Causal Mediation Analysis 
## 
## Quasi-Bayesian Confidence Intervals
## 
##                Estimate 95% CI Lower 95% CI Upper p-value  
## ACME            6.08959      0.24382        11.85   0.042 *
## ADE             1.25301     -3.41426         6.31   0.622  
## Total Effect    7.34260      0.15649        14.79   0.046 *
## Prop. Mediated  0.82441     -0.00668         2.51   0.056 .
## ---
## Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
## 
## Sample Size Used: 133 
## 
## 
## Simulations: 1000
plot(med.cont, 
     main = "Techical Terms as a Mediator Between\nAssets and Lobbying Success",     
     xlab = "Words from Comment Added to Final Rule")

Save data

n_comments <- nrow(efficacyXsophistication)

save(n_comments,
     efficacyXsophistication, 
     file = here::here("data", "efficacyXsophistication.Rdata"))

TODO

Presentation

  • Predicted probability plots for all models presented in the paper. These should replace all tables. All tables should appear in the appendix.

  • Nonprofit and credit union plots for the correlation between assets and sophsitication

  • assets-tech- figures should have x-axis scales in the millions or billions

Analysis

  • split out FDIC banks and nonprofits in asset mediation analysis? (at the moment, neither type of asset is correlated with efficacy, so mediation analysis is a low priority)

Data

  • check on the status of OCC comments (missing from the attachments table as of May 2022)

  • Try to get efficacy measures for key observations. For example, in cases where we have market cap:

Observations for which we have market cap and sophistication but are missing efficacy measures (POSSIBLY DUE TO THERE BEING NO FINAL RULE):

b %>% drop_na(marketcap, Total_Legal_Citations) %>% 
  arrange(-Total_Legal_Citations) %>% 
  filter(is.na(efficacy)) %>% 
  dplyr::select(efficacy,marketcap, Total_Legal_Citations, org_name, comment_url) %>% 
  kablebox()
efficacy marketcap Total_Legal_Citations org_name comment_url
NA 81.203B 28 pnc financial services https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56654
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50461
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50454
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50457
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50459
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50460
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50456
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50455
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50462
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50463
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50458
NA 135.268B 13 american express https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56677
NA 81.203B 11 pnc financial services https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57240
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